For 10 years I was a happy customer of Club Iwin, and I had built up some credits. Since I had these credits I let my credit card information lapse. I was then informed that I had to spend ALL of them within 120 days, even though I had technically already paid for the credits. I couldn't find 10 games I wanted to buy in those days so my credits were taken away. I kindly asked them to refund my money and they have refused. They said I could get it back if I rejoin. To me this is like having a gift card that expires. (Isn't that illegal?)