in phpMyAdmin you click on your vbulletin databse, then you scroll down to your table... if you have a table prefix it's called whatever your prefix is _user. such as:
myprefix_user
Otherwise if you have no prefix it's just called:
user
Click on it and it will be browse-able... scroll the window to the side to find the column name for "vbcredits" it should be toward the end (the right) of the table.
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