For credits from the "rebates" of $5 on a $25 gift card, they credit the CC that you used to purchase the items. Credits are rolled into one credit per month totalling all of your qualifying purchases from the previous month. If you cancel a membership before you are credited you will not see the credit. If this works like Connections does, the "then current years membership" will double--it will be called an upgraded membership allowing you to purchase double the number of gift cards. I was unable to get Connections to switch the upgraded membership to a regular membership, so I cancelled my membership. I wonder if the Hotwire will be the same since the wording is the same?