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SM Credits are a virtual currency you can use to buy goods within Upgrades. You can purchase them using your card, PayPal or mobile phone.

If you try to buy something that costs more SM Credits than you currently have in your account, you will be prompted to purchase more credits.

To check your balance or to buy SM Credits for later use, either go to Upgrades History in your Account Settings or visit Upgrades. Your balance is also visible within the Notification Bar.

Your Upgrades History will also display all recent purchases made to your account and also any SM Credits that you have sent or received as gifts.