Looks like my redeemed credit total for last year at 123rf was 998...2 credits short of a level 3 royalty percentage. I wrote them a kind email asking if it were possible to be bumped up to the next level and this was the reply.

"We regard to inform you that we are unable to do so"

Even greedy istock gives a leeway with there redeemed credit policy.
Couldn't be more disappointed.