I returned a swim MP3 player when I found out it couldn't be loaded with music purchased from iTunes. Swimlocker received the player on Feb. 15 and sent me an e-mail stating a credit would be issued. After seeing no credit, I called the company on March 4. I was told this is a small company, and they only process credits at the beginning and middle of the month, and that it can take up to 2 billing cycles to credit a customer's account. When I checked with Citibank, I was told credits appear within 48 hours after a credit is issued... read full review »