feat(pay): enable points card-pass redeem in user center

Wire zibll-style points_pass_exchange settings, open credits redeem options, and add 卡密兑换积分 UI on the credits panel.

inc/classes/class-aksrt-charge-card.php

@@ -138,22 +138,34 @@ class AKSRT_Charge_Card {
             }
         }
 
+        // Points card-pass: zibll points_pass_exchange_* (stored in aksrt_settings).
+        $credits = ['enabled' => false, 'desc' => '', 'only_password' => true];
+        $all = class_exists('AKSRT_Settings') && method_exists('AKSRT_Settings', 'get_all')
+            ? AKSRT_Settings::get_all()
+            : (array) get_option('aksrt_settings', []);
+        if (!empty($all['points_pass_exchange_s'])) {
+            // Require credits system on when available.
+            $credits_on = !class_exists('AKSRT_Settings') || !method_exists('AKSRT_Settings', 'credits_enabled') || AKSRT_Settings::credits_enabled();
+            $credits = [
+                'enabled'       => $credits_on,
+                'desc'          => sanitize_textarea_field((string) ($all['points_pass_exchange_desc'] ?? '')),
+                'only_password' => !isset($all['points_pass_exchange_only_password']) || !empty($all['points_pass_exchange_only_password']),
+            ];
+        }
+
         return [
             'balance' => $balance,
             'vip'     => $vip,
-            'credits' => [
-                'enabled'       => false,
-                'desc'          => '',
-                'only_password' => true,
-            ],
+            'credits' => $credits,
             'labels'  => [
-                'title'           => __('卡密兑换', 'aksrt'),
-                'password'        => __('卡密', 'aksrt'),
-                'card'            => __('卡号', 'aksrt'),
-                'submit_balance'  => __('兑换余额', 'aksrt'),
-                'submit_vip'      => __('兑换会员', 'aksrt'),
-                'placeholder_pw'  => __('请输入卡密', 'aksrt'),
-                'placeholder_card'=> __('请输入卡号', 'aksrt'),
+                'title'            => __('卡密兑换', 'aksrt'),
+                'password'         => __('卡密', 'aksrt'),
+                'card'             => __('卡号', 'aksrt'),
+                'submit_balance'   => __('兑换余额', 'aksrt'),
+                'submit_vip'       => __('兑换会员', 'aksrt'),
+                'submit_credits'   => __('兑换积分', 'aksrt'),
+                'placeholder_pw'   => __('请输入卡密', 'aksrt'),
+                'placeholder_card' => __('请输入卡号', 'aksrt'),
             ],
         ];
     }