View Full Version : Bank interest is way too low
mikeghtmare
05-08-2009, 22:25
Hi mods, I've started using the Bank option for the Skill Points but the interest is way too low. It should be like 20% or more.
Right now at 2% if a person had 5000 points they would get only 10 extra points a day... I think you get more or almost the same for a simple post. So if you wanted to buy something from the shop using interest it would take 100 days based on the example above, that's more than 3 months.
So please, make it 20% :roll:
I think it would make more sense.
-Kwesnoth-
05-08-2009, 22:53
No, 20% is way to high. Most people on these forums would have basically unlimited sp.
If anything it should be put at 5-10% no more.
mikeghtmare
05-08-2009, 23:08
Most people seem to have from 0 to 2000 so the interest would not be that high, only 40 SP a day; but they should in any case at least make it 10; those who have too much SP and would get a lot of interest have that much because they are most likely not using it so it wouldn't matter if they accumulated even more.
SnowHawk
05-08-2009, 23:52
Last I knew the Bank wasn't working at the moment unless the have fixed it.
Behemoko
05-09-2009, 03:33
Even 2% would be high, 20% is rediculous. I know my sp doesn't show, but at 20% I'd be getting 15,432 a day. :lol:
Charl3z523
05-09-2009, 03:57
I clicked this thread thinking this was about actual banks xD.
SharkOutofWater
05-09-2009, 11:48
1. The interest isnt currently working for all members (some groups it actually still does work apparently
2. There is no need to increase the amount of sp into the system, as if you are here for any length of time, you have quite enough sp to live off of (and I buy all my sigs through the ds with sp).
3. at the moment there is only so much to spend the sp on (at the moment 45K is the most you can spend on forum items). This is something I do agree with being considered adjusting.
I think increasing it to 1% would be nice, as of this moment in time the bank tells me I'm earning just over 5sp a day, which is less than one post worth. Also with 1% interest it would take about a month and a bit to double what you currently have in the bank instead of a year and a bit with .2% interest.
mikeghtmare
05-12-2009, 18:38
I clicked this thread thinking this was about actual banks xD.
hehehe, sorry about that.
Even 2% would be high, 20% is rediculous. I know my sp doesn't show, but at 20% I'd be getting 15,432 a day. :lol:
Well, they could probably put a cap. Make it 10% or 20% and cap it to a maximum of 30 SP a day. So you would get a bit more which would make the bank system usable but still keep the SP earnings under control.
That way, it would take you a month to reach 1000 SP to buy something versus over 3 months in the current system with 5000 in the bank, or 6 months if you only have 2500 in the bank, ...
Of course, they need to fix it first.
I think increasing it to 1% would be nice, as of this moment in time the bank tells me I'm earning just over 5sp a day, which is less than one post worth. Also with 1% interest it would take about a month and a bit to double what you currently have in the bank instead of a year and a bit with .2% interest.
Yeah, just increase it a little bit. Like you said, a single post would give you a lot more SP so it kind of renders the bank useless.
[EDIT] LOL, I just realized it's 0.2 % and not 2%... we definitely need to increase it. If you think that 10% or 20 % is too much make it at least 5% and put a cap on it like a maximum of 30 SP a day for instance.
I have not used the Bank yet. But at 0.2% it is perfect
I will put my Skill Points in soon
Thorzilla
05-13-2009, 03:38
Banks are *****es. Get used to it and thank PS3Forums because they are training you for real life interests. Does your bank give you 20% interest in your savings? If so, tell me the name because I'm making a new bank account :snicker
mikeghtmare
05-13-2009, 18:47
Banks are *****es. Get used to it and thank PS3Forums because they are training you for real life interests. Does your bank give you 20% interest in your savings? If so, tell me the name because I'm making a new bank account :snicker
I have a special deal, just give me all your money and I'll give you 20% interest ;).
But seriously though, we are talking SP here, not real money. Increasing the percentage and putting a cap would be more gratifying but a the same time limit how much "interest" we get back everyday.
Behemoko
05-13-2009, 18:58
hehehe, sorry about that.
Well, they could probably put a cap. Make it 10% or 20% and cap it to a maximum of 30 SP a day. So you would get a bit more which would make the bank system usable but still keep the SP earnings under control.
That way, it would take you a month to reach 1000 SP to buy something versus over 3 months in the current system with 5000 in the bank, or 6 months if you only have 2500 in the bank, ...
Of course, they need to fix it first.
Yeah, just increase it a little bit. Like you said, a single post would give you a lot more SP so it kind of renders the bank useless.
[EDIT] LOL, I just realized it's 0.2 % and not 2%... we definitely need to increase it. If you think that 10% or 20 % is too much make it at least 5% and put a cap on it like a maximum of 30 SP a day for instance.
Caps can suck it! I like my 150 sp a day at the current .2% thank you very much.
They could increase the interest but then you'd probably find they'd need to increase cost for items in the shop. Otherwise, the whole SP thing would become pointless.
If you were to increase item costs, again the % increase would be pointless because prices have fluctuated in line with the change.
At 0.2% you're still getting a benefit for what you've deposited.
Astonlover
05-13-2009, 20:32
Well I had 60k in the bank thanks to a awesome raffle from an awesome man and I got like 30SP a day. But now I have 9K and I have no need for extra.
lol 20%...that is way too much
actually, anything above 2% is already too high.
Just post/reply more.
PS. by the way, I just got 106 interest while I'm supposed to get 6 per day
We'll see.
I'm now getting 10SP per day, so I guess the interest has been increase to 0.33%
Caps can suck it! I like my 150 sp a day at the current .2% thank you very much.
do you get SP interest?
Charl3z523
05-15-2009, 05:00
Banks are *****es. Get used to it and thank PS3Forums because they are training you for real life interests. Does your bank give you 20% interest in your savings? If so, tell me the name because I'm making a new bank account :snicker
Seriously, I only get 3 cents per month. In about 3 years I'll have earned a whole dollar!
Lets make it 0.3% this way nearly everyone is happy :)
micromagic
05-15-2009, 14:19
Is the bank interest actually working now? Last time I checked it wasn't giving any daily interest.
SpyroViper
05-15-2009, 15:13
Why not have it dynamically cater to how much SP you have. 20% of 100 is very different to 20% of 5000 thus people would have unlimited SP (like me :D), but instead adjust for interest relative to how much we have.
Just a few lines of Javascript really, nothing difficult.
SharkOutofWater
05-15-2009, 16:01
@Micro: it seems some of the normal members get interest still (or at least claim to be getting interest), but basically no subscribers/SMC's, or other groups get any from what I have heard.
As for the interest. It is a nice extra bonus feature to have. It is free SP, why are people complaining about something that is a bonus. If you save it up in there for awhile, the interest easily gets to a point where you can get a free bonus icon a month, or sooner.
Maybe they should just remove it completely, that way there will be no complaints about a nice little added feature that gives a little extra. :roll:
I'm just a normal member and i don't get any.
:'(
But yeah, it's not a huge deal...
micromagic
05-15-2009, 16:21
@Micro: it seems some of the normal members get interest still (or at least claim to be getting interest), but basically no subscribers/SMC's, or other groups get any from what I have heard.
As for the interest. It is a nice extra bonus feature to have. It is free SP, why are people complaining about something that is a bonus. If you save it up in there for awhile, the interest easily gets to a point where you can get a free bonus icon a month, or sooner.
Maybe they should just remove it completely, that way there will be no complaints about a nice little added feature that gives a little extra. :roll:
Oh so that's how we get treated for subscribing, huh :no
I'm not that bothered really, just wondered why some got it and others didn't. Can't complain though, I got 15k when subscribing.
Dragonfly
05-15-2009, 16:50
Seriously, I only get 3 cents per month. In about 3 years I'll have earned a whole dollar!
AWESOME! :D
I think the interest should be 2%...0.2 is just rediculous!
1. The interest isnt currently working for all members (some groups it actually still does work apparently
2. There is no need to increase the amount of sp into the system, as if you are here for any length of time, you have quite enough sp to live off of (and I buy all my sigs through the ds with sp).
3. at the moment there is only so much to spend the sp on (at the moment 45K is the most you can spend on forum items). This is something I do agree with being considered adjusting.
what can you buy for 45K
or is that the usertitle plus the 25 icons?
SharkOutofWater
05-15-2009, 17:13
what can you buy for 45K
or is that the usertitle plus the 25 icons?
Thats 15K for the usertitle, and 30 K for the 30 icons that were visable before (6 a row).
Now I stopped getting interest, since few days ago...
admartian
05-20-2009, 03:22
The 'sweet spot' generally is around 5-7%. Would be good if some of the older members could get more interest/SP as time went on. :rolleyes: :D
SnowHawk
05-20-2009, 03:25
it would be good if they fixed the bank first. :lol:
Agree, no interest since last week.
Killerinstinct
05-25-2009, 17:59
or just wait for a bank error in your favour, it happens
I haven't been able to get interest for months. Since last year if I remember right. Is this ever going to be fixed?
The rate would be fine if it actually worked.