Well, when you think about it. This is both true and false, though you don't actually keep the credits you write in, you still alter the number shown on the screen until you refresh the page.
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I'm sorry this happened, man. But let this be a lesson learned. If there is a suspicious looking link, never open it. Hopefully you can get your account back through calling the IMVU support number 866-761-0975 let them know what happened. Specify what products you've purchased on that account as we...