What is this "Credits" all about?

cyclelover101

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I am new to this site. I am kinda shocked and amazed looking at this so called credits that keep on increasing on value everytime I answer a thread. I read somewhere here that you can donate the credits, bank savings account and there is a loan for this matter.

I would like to know if these credits I have can turn into cold cash? Or just plain numbers that keep on increasing?
 
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