Thanks Tony D. I stand corrected.
I'm trying to work through the two. I just added 500 credits (gift cards) and then purchased 250 FT cash. I still have the 500 credits, AND a dollar amount in my account. I suppose/sure it will work out somehow. Off to my real-life job now though so will poke in to it more tonight.
Apologies for posting too quickly and thanks for keeping my on the straight/narrow!