1 XNK = 3,850 credits 20 XNK = 77,000 credits 19 XNK = 73,150 credits 25.97 XNK = 99,984.5 Credits right at 100,000 Listia is correct. Just remember to always take whatever the XNK is and multiply by 3,850. Several still do not understand the XNK system so if you are bidding you need to be aware