Mate, I see your point - but it also depends upon the demand - Morgan & Bartholomew currently has no need for credits, and has sold all that will be selling this day. Tomorrow may be different.
Since the time of this original post, it seems that the bottom line is the value of a credit be in the eye of the beholder - and the holder, and what both intend to do with the gold coin or the credit.
If ye be sellin' credits, go with Avonmora Capital Bank - I would!
Just an ol rum-soaked, washed up sailor's observation, as bleary-eyed as as it may be.