Yeah I’ve been told so many different things by so many advisors. I guess cause Apple is taking over this year, they aren’t fully aware. Phobio still does trades, just the gift cards. Which I am shooting myself in the foot cause had I known that, I would’ve went that route instead. I had a great experience last year with my watch trade with them and they are really quick. Got my credit in two days I think. I would’ve used that gift card on Powerbeats pro or the Series 5 just cause. This credit stuff is taking WAY too long for our liking.