however, marketplace said they could not credit me back my money. This was in March of this year. I have dialogue between myself and marketplace rep. from Phillipines?! saying she would send me gift cards in the mail in the amount of 98.00 have to confirm exact purchase amount, rather than a credit on my HBC card. I paid my HBC card to keep in good standing but have never received the credit on my HBC credit card and never received gift cards. Wondering if they were trying to scam me... Either way, this experience was and is very frustrating, so I have decided I will be cancelling my Bay Credit card.