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clear the point Tom, thank you , very helpful answer

Hello, No Silver & Gold members do not need to buy credits. Everything (exercises, tests, exclusive videos, etc.) will be unlocked. As a bonus, with these memberships you will earn free credits each day to spend on things such as downloads and private lessons with Minoo. So to be clear, as a Silver or Gold member you do not need to buy extra credits to access content. I hope this answers your question. Please let me know if you have any more.