It's very simple: a VIP Member Credit is cash that's stored in your account for you to spend on future purchases at JustFab.
As a VIP Member, if you don't shop or 'Skip the Month’ from the 1st until the 5th of each month, your payment method will be charged £44.95 on the 6th of each month. The charge becomes a VIP Member Credit, which goes into your account to be spent or saved on future purchases.
You can check your VIP Membership and Store Credit balance at the top of the homepage when you're logged in or under 'My Account' when using the app.