It may be that you have opened the automatic deduction, and the operator is deducting the fee every month, but because you have no money in your card, you can only deduct points.

You can click on mine in the card package, then look for the transaction record, then check whether there is an automatic fee deduction item, and then close it.

Credit card points can be used for consumption, which means that points can be used for cash when spending in entertainment places.