12.1Credits
Credits are an account-level resource, tied to certain conveniences and scouting actions in the day-to-day running of a club. They are not the same as club cash: club cash pays for your finances and your work on the market, while credits cover account services and specific features.
12.2VIP
VIP is an account subscription. It affects some interface features and how much information you can browse — certain schedule history, or the conditions available to you when scouting, for example. What you actually get is whatever the in-game pages and your current account status say.
VIP does not change match results, does not make your players better, and does not hand you extra money. Tactical judgment, player development, payroll discipline and market decisions are what decide games.