[Digital Jedi]

vBShop is what you're looking. It's actually capable of so much, it's a little intimidating. But it'll do for you what you've listed here, in addition to anything else you want to add/exclude. It's compatible with every point system I know of, but especially with vBCredits, because it's by the same group of developers, DBTech. You'll probably want to upgrade to vBCredits II if you haven't already. (I presume your coming from an older vB and vBCredits version.) Do a search for [DBTech] modifications specifically, as at least a couple of different developers release modifications under that flagship name.