What is the difference between team credit and the credit in the member page?

Team credit is the total amount of credit that can be used by your team. All members will share that amount together.

The Monthly Credit Limit is used to configure the maximum amount of credit each team member can use within a month. This limit resets on the first day of each month. The Remaining Credit indicates the amount of credit available for each member to use that month, based on the Monthly Credit Limit.