romanticyao - you only need to apply rev1 if you are getting a database error about missing column credits_interest, or if users on your board are getting login errors that deal with $validfields. if none of that is happening, you dont need to worry about the little update.
BBF - in the main vbcredits setting is the number of valid referrals per referral point. you have it set to 0. it should be 1 or higher. (i forgot to put a thing to validate that particular setting). if you dont want to award for referrals, make sure the award amount in the usergroup options is 0, not that global setting.
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