Legal analysis: It is illegal to exchange points for money. We can discuss the security of credit card cash exchange and login in the background of the credit card center: 1. The exchange points in the mall are all provided by banks, and the verification code issued is used for gift exchange, but there is no verification code for transfer. If it is a transfer, refuse to provide it; 2. Log in to the credit card APP of each bank, with no transfer function; 3. The stolen credit card cannot be swiped through WeChat, and the cardholder's own WeChat account must be bound.

Legal basis: Article 57 of the Civil Law of People's Republic of China (PRC) clearly stipulates the right to virtual property on the Internet. According to this view, users of the platform integral mall have the right to dispose of it by themselves (including exchange, transaction or financial appreciation).