If I have this correct, I hope it clarifies things for some players answering my original post. First my terminology was slightly wrong in my original post.I meant to type "credit balance" & "coin balance". Today I'm only referring to "coin balance" in this post (not credit balance). If I'm correct, coin balance can ONLY BE USED while playing the mobile app to wager & bet in games & to buy dress apparel. Since I strictly play entirely on my laptop & never mobile, this coin balance is entirely useless to me.
Don't know what the rate is, but I'm at Level 118, & my coin balance shows 289,505. Go figure??? Can't explain this, or why it's so high, but since the coin balance is useless to me, it doesn't matter anyway. Good golfing to all! SLIMJYM