purchased rewards credits with Gems and didn't get rewards credits

Hello doubleOhTen,

We do not see any issue with your Gem claim from the vault, and the Credits are currently pending in your account. From the FAQ on Vault Credits:

I claimed Rewards Credits from the vault. When will I receive them?

If you claim Rewards Credits from the MyVIP Vault, they should appear as pending in your account within 96 hours. Once they are pending in your account, the normal deposit process kicks in. Generally if you have over 5,000 Rewards Credits pending in your
account in the first half of any given month, that amount will be converted to your local currency and deposited into your Microsoft account on or around the 30th of that same month. If the Credits show as pending in the second half of the month, that amount
will be deposited into your Microsoft account on or around the 15th of the next month.

Please note you need at least 5,000 Rewards Credits pending to automatically trigger a deposit, though you can request a deposit for the next scheduled date as long as you have 1,000 Credits pending. Also, if you have ongoing issues with us depositing
into your account, such as your account not matching up with your billing location, you might want to consider choosing a different prize from the vault, as we won’t be able to deliver your Rewards Credits until the deposit issue is resolved.

Hello ohno itstheCoPz,

Since being introduced in October, Gems have never had a Credit or currency value assigned to them. They can only be spent on purchases from the Vault. However, we realize that users have grown attached to their Gems, so when you are transitioned to Microsoft
Rewards, they will be converted into points. Note that Microsoft Rewards points and Xbox Live Rewards Credits are not the same. Your Gems will not be converted into Xbox Live Rewards Credits if you choose to remain in the Rewards programs, but will be converted
into Microsoft Rewards Points.

Those are for gems which are not the same as rewards credits.

So what are the gems? As in the email it states that they will be transferred across to microsoft reward credits. I thought it had some affect on the rewards I recieve?

Hello DDXDB,

Since you are registered as a US Rewards member, only purchases made off the Xbox store in USD are eligible for Rewards. If you opt-out of the Rewards program, you delete this Rewards account, so all the Credits and Gems associated with the account will
be deleted. However, we will be able to recover any pending, un-deposited Credits to any new Rewards Account. Since achievements are saved to your Xbox profile and not a Rewards Account, they will not be deleted. Therefore, it would not be possible to repeat
these achievements for calculating gems.

Hello ohno itstheCoPz,

Gems have no currency value and were only used to obtain items from the Vault. Due to user feedback, if you opt out of the program, 1 Gem will become 1 Reward Credit, not 10 Rewards Credits. Since this is also the conversion rate for Gems to Microsoft Points
(1:1). Gems have never been worth 20 Rewards Credits. As you request, we will leave the thread unlocked, but cannot guarantee a response.