1.) I like pretty much everything about the new changes
2.) Credits should NOT be lootable. Many of us from MensaHQ came over from a game that's pay-to-win status has slowly, and irrevocably killed it over time, but you need give at least a minimal amount of protection to credit buyers.
3.) Again about avoiding pay to win - the stacking bonuses for purchase are fine, since they'll encourage people to "invest" all at once - perhaps on a quarterly basis or so, which will give sheepy valuable cash flow to invest into the game. That being said, the fixed amount you can convert each month is key.
4.) Just from my first impression so far it doesn't seem like many players have taken advantage of the custom avatar / forum pip buy yet. Perhaps something could be done to make those more attractive? (Perhaps the portrait could be larger or something?)