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I let a few orders come late. Two came REALLY late, one came about the same time it would have for regular (but not Prime 2-day) shipping.
However, I've never been able to figure out where the credits are. I've bought a few ebooks - the credits weren't applied there. I haven't seen them used on any of my regular orders. Personally, I feel that - since they don't actually let you see what you're banking - it's a bit deceptive and I don't want to "play" any more.
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