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on 3/15/19Hi Kurt, you can use credits to unlock unlimited messaging with whichever members you want to chat with. You can also use them unlock secret photo and video albums. It currently costs 10 credits to do either of the above.
Much more often than not, a "woman" will send you a message, you will pay to get it unlocked, then after you respond back, they will not respond anymore. It's a scam to get you to fork over my re money for "credits". Beware!