I had one credit and it kept getting in the way of claiming free books from other offers which were also in the settlement library. Unfortunately for me, any of the books I really wanted weren't part of the settlement, so I looked around, saw something I liked, and spent it. Now it's no longer in the way.
Audible is handling the settlement credits very poorly. You should be allowed to spend them when you want to and not have them forced on you with your first purchases.
Bad form Audible.
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