Hi, xnk has replaced credits. Not sure if you remember the credits we used to use. Xnk is actually an online currncy. The easiest way to get started is to list some items on listia, when your auctions end you will have xnk to use on auctions. You can buy xml if you prefer. I have not done that , but I believe this site will tell you how. Hope I helped. Feel free to ask further questions if you have them Dolly