Hi,
Which version of HikaShop are you using ?
It is strange that it says you are using "0 points", it looks like an old bug on the plugin which did a wrong conversion of the point number during the display. It should be fixed in the latest version : 2.3.0
Otherwise, to let the customer choose if he want to use his points or not, you have to activate the option "Ask for no coupon" in the plugin (your last screenshot) and after that, you will see a new available step while configuring your checkout workflow.
This new step will allow your customer to see the number of his points and choose if he want to use them or not for this order.
Regards,
Jerome - Obsidev.com
HikaMarket & HikaSerial developer / HikaShop core dev team.
Also helping the HikaShop support team when having some time or couldn't sleep.
By the way, do not send me private message, use the "contact us" form instead.