In response to a PM I received, I thought some additional information might be helpful. Should you elect to buy the credit from me, I would place the order and have your purchase shipped directly to you.
You may see it differently, but this is how I see it. If we were standing face-to-face, you would hand me $100 and I would give you $120 back. Not a bad exchange rate in my opinion and an opportunity most of us would jump at given the chance. Granted, this only makes sense if you are planning on buying something from Cobb.
In other words, don't low-ball me.