a 50.00 card should go no lower then the actual cost of the card 50,000 credits as it is 1,000 credits for every dollar on Listia so a 20.00 gift card should not run any higher then 27,000 credits or 27.00 dollars you are clearly asking 50 bucks for a 20 buck card. might wanna go over the cash to credit ratio again hun. you cannot ask what you pay for buying credits as Listia charges those who buy their credits a convenience fee so they pay 3 times the worth of their credits to buy them and get them right away. it is like buying that 5 dollar gallon of milk at the convenience gas store instead of driving the rest of the way to the grocery store and only paying 3 bucks for the same gallon of milk. I am a veteran here on Listia and if you want to know anything else about anything at all feel free to ask me through listia messaging. I don't mind helping out anyone who is just starting out her in the great world of Listia. good luck but don't be disappointed if you don't get your 50,000 GIN it wont happen but I can almost guarantee you will get around 24-27,000 for it which is a great amount really.