I made a deposit, thinking I had to do that first. But My Account page still reads 0$ Available Credit. The deposit is recorded in My Transactions.
Anyone experience similar?
Yes, I have.
First Problem: Today, I made a deposit about 15 minutes ago and my account page too says zero available credit. However, in my case, the deposit has NOT been recorded in the My Transactions page.
And yesterday, after I made a loan, it took about 1/2 hour for the process to be completed, i.e., for my icon to appear on the loan page.
Second Problem: Today, I made 3 loans ($75.00 total), but the transactions never went through. I did, however, receive the PayPal email payment receipt for $75.00. And then latter (about 1 hour), a $75.00 credit did appear in my account.
Note: AFTER I completed these 3 transactions, I received the $75.00 PayPal email payment receipt, but the 3 transactions were
STILL IN MY BASKET.

This same glitch happened earlier today with another loan. However, with this transaction, a $25.00 credit appeared in my account about 1/2 hour latter.
I contacted Kiva-Help regarding the second problem and will wait to see if the first problem clears itself up today before I contact them.
I hope your problem clears up today so your wife can receive her gift certificate.
Patricia
UPDATE: I just checked and the deposit I made earlier today has now been credited to my account. It took about 1 hour for it to appear.
The computer glitch (?) that still needs to be fixed is why a PayPal receipt is generated, but the loan transactions get stuck in the basket. 
Sidebar: Yesterday, when I made loans using a MAC, none of these problems occurred except for the slowness in the completion of the transactions.
However, today when I made loans using a PC, these loans got stuck in the basket on two separate occasions. Hopefully, this information will be of some help in fixing whatever it is that needs fixing.