Hi there,
Yes - then you will have to avoid all silver polishes. These will strip the silver plating off your flute back to the base metal.
The material of your flute is not actually as important: silver flutes are highly overrated imho. The wooden Boehm flute has a much more pleasing resonance and coloration without the shrill metallic edge of silver flutes (but they can be quite expensive).
Here's one type of safe silver plated lacquer cloth:
http://www.justflutes.com/denis-wick...duct18876.html
With your silver plated flute, you will need to swab out moisture, and use alcohol to clear the finger based acid residues, to stop the oxidisation. After a thorough clean, you can try a safe silver plating solution to restore it:
http://cgi.ebay.co.uk/ws/eBayISAPI.d...#ht_1989wt_978
This one is safe, however you need to prepare the flute correctly before using it.
It's unlikely you will stay with your intermediate flute - open holes; a different embouchure to suit your playing style; off-set Gs all make the ergonomics more efficient.
In any case, a secondhand .925 silver flute or higher (.935) can be a great buy - if you give up during the recession, the silver content might hold its value lol (not!!)