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When you use PBS wrapping with DC you automatically receive a point, right? If that book is "lost" you keep that point, right?
I really can't remember because I used PBS wrapping with DC once a while ago...
When you use PBS wrapping with DC you get Quick Credit. This means that when the PO scans your barcode they transmit the info to PBS and you get your credit. Credit Assurance which is part of this, protects you against losing credits for books that go lost or are misplaced by the PO.