[leta]

Thank you Casiopea for your detailed explanation. But still I’m not satisfied with it. as I guess that the test is actually correct in this sense and “refer” is not the correct option in this example while owe is one. I didn’t mean that the author says “refer to X” is different from “refer X to”. My question was as we have these 4 given options and only one should be correct, why in this test the option “owe” is correct and “refer” is not. To be exact why “owe” is “more correct” maybe.
And maybe I need consultation of some English native speaker… (please, if any, could you help?)
Look, if you print the phrase “refer my success to” in Google search engine, you will get only 2 links to sites, but after printing “owe my success to” you’ll be shown more than 13 000 links. This is a kind of proof that “owe someone’s success to something” is more useful in English, in correct English, than “refer someone’s success to something”. The latter phrase might even be incorrect. That is why I wonder what peculiarity of these words usage difference is meant here….