You appear to have some sort of htaccess redirect going on. Are you sure you dont have some sort of list that checks if the url is "allowed"? (in this case, the non vb native credits.php file)
Also, it should be compatible with a banking system if it allows custom points table/fields, in which case the values for that are in the top post. I know IBank is compatible in this way (set the money row to credits)
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