it is always your choice guys..regarding credit shields,it's really up to you if you want that.
Read first before you sign any documents.
About pointing system,it's easy to understand.
If you spent 100QR, you will get 5points. 1point=1QR
You can redeem your points after two days of the said transactions through purchases,just inform the cashier in case you are in LULU. They are trained to doing such transactions.