Habitual reserve bidder, but I bid a line in October.

Have 3 day trip worth 15:45. Dropped APD on day 3 then used smart sheet to use two payback days on day 2 and day 3. Day 3 only 3:08 block, but trip credit is on day 3 for about 1:45. Pay for the TOFF on day 3 is only showing the 3:08. I thought the credit would pay as well, which is why I chose that day to use the payback day.

Is this correct, or should the value of the TOFF include the credit? (3:08 + 1:45 = 4:53)