Hello! This is from the JustFab team. We know that this question was raised over years ago, but we would like to address it.

The $49.95 VIP credit can be applied to any single item up to $80, a curated bundle, or a 2-for-1 Bundle (Any two items up to $39.95 each). However, it cannot be used on clearance or final sale items or any other promotions.

If you don't want to get charged, please visit the site between the first and fifth of the month and click "Skip the Month" on the Account Info page which is located in the drop-down menu next to your shopping cart. You can also find the skipping button if you're on the mobile app, just go to the "My Account" page. We send email reminders on the 1st and 5th of each month, reminding you to skip. You may also set a phone reminder. Apart from skipping online, you can also contact us and we will be glad to skip for you.

This happened to me as well. I was told that I have to use the credits, but shipping and taxes are extra!