daily point gain limit with buycred exception

add_filter( 'mycred_add', 'mycred_pro_global_daily_limit', 1, 3 );
function mycred_pro_global_daily_limit( $reply, $request, $mycred ) {

	if ( $reply === false || substr( $request['ref'], 0, 15 ) == 'buy_creds_with_' ) return $reply;
	$user_id = absint( $request['user_id'] );

	// Get total for today starting from midnight til now
	$total = mycred_get_total_by_time( 'today', 'now', NULL, $user_id );

	// If we have earned 20 points today decline everything else
	if ( $total >= 20 )
		return false;

	return $reply;

      // Exclude buyCred points gained regardless of the maximum points set from this snippet.
}