How to redeem credit points assigned to the customer in magento

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I have a requirement where I want credit points to be used by the customer for future purchases. I have issued credit points to a customer account using Admin on my testing server but I cannot redeem those points using the customer account...

I have found some extensions that say they provide this functionality but I dont wanna pay for something which maybe inbuilt in magento.

Please guide, google doesn't seem to have any answers on this one...

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I do not believe that this is a built in feature of Magento. I've had to do a ton of research on this - and it appears that plugins had to be made to make this possible.

One specifically that we found is: Customer Credit Extension

It seems to cover everything you need to do. Good luck!