February 2022
NAT NCAT items are usually a quarter of the QS value of an item that is that OVR.
Regarding the auction house. I recommend power cycling your console which can help avoid strange in-game issues. When you experience the coins not coming back to your account right away is that due to continuous back and forth bidding or spamming the submit button? I've had it happened to me before in the past, however it's rare and when I backed out of MUT and re-entered the coins were returned.
March 2023
Some specific types of programs the cards are such as weekly wildcards quicksell for much less