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I'm guessing if I have two accounts, one for America and one for Japan, that they dont' share credit?

Dont' really care either way, since I never add funds to my account beyond "add needed funds" so there is nothing to transfer or missing out on.

Only once did I add funds. There was some promo that if you added $100 you got $10 or something. Was planning on purchasing a couple games real soon so decided wtf why not. I had some funds left over and thus stupidly wasted money purchasing some DLC for fire emblem (only Nintendo DLC I have ever been disappointed with)