Abbey, please check if the Add Photo and Create/Edit topic services are not checked in the Roles settings. If these services are available within the Roles feature - they will be ignored by the User Credits plugin. Please read this topic for more information: http://www.oxwall.org/forum/topic/23395

As for the daily login - first of all the credits are granted/deducted only once in 24 hours for this service. i.e. if a user enters the site several times in a day - they will receive/loose the credits for one action only. This was done to prevent users from earning credits illegally. Have you checked this function yourself? Does it work for you?

Abbey, Please perform the following steps and get back to me with the results.

1. Go to Admin Area > Privacy & Permissions > Roles. Uncheck the Add Photo action for all roles.

2. Go to Admin Area > Plugins > User Credits plugin >> Settings.

4. Find the service Add Photo, set the 100 value for it.

5. Scroll up, select another account type and set the 100 value for it. Do the same for all account types.

6. Go to your Dashboard page, find the 'My Credits' widget. Remember the Credits balance. 

7. Click the 'Earn credits' link in this widget and remember the actions you got the credits for.

8. Go to the Photo page, click the Upload Photos button and upload one photo.

9. Go back to your Dashboard page, find the 'My Credits' widget and check if the amount of credits was changed.

10. Click the 'Earn credits' link in this widget to see if the Add Photo action was added.

In case the credits amount was changed - this means the plugin works correctly and the problem is in your site configuration. If this did not the trick - please provide us with the steps similar to provided by us and we will try to reproduce the problem on our test site.

Abbey, we have registered a new user and this user received the 10 for daily login and 100 for join. (see screenshot). Then this user uploaded a photo, but did not receive 5 credits. We've checked the Admin Area > Privacy & Permissions > Roles section and found out that the service Add Photo is available to all user roles. As I've described it in this topic: http://www.oxwall.org/forum/topic/33708
If these services are available within the Roles feature - they will be ignored by the User Credits plugin.
Please carefully read this topic for more information: http://www.oxwall.org/forum/topic/23395
As I said, go to Admin Area > Privacy & Permissions > Roles. Uncheck the Add Photo action for all roles and upload a new photo - you will see that the credits will be added to your balance. (see screenshot)
It seems to me that you have not followed the steps we've provided here: http://www.oxwall.org/forum/topic/33708?page=1#post-139623 - if I am wrong - please provide us with the screenshots of each action.
We have checked it at your site and everything works.

You can allow or disallow action through roles. But if you allow an action within the role, this means that you need this action to be available within the role (or Paid Memberships) and User Credits plugin should not be counted.

Just imagine, if the system works this way:

If you want the system takes/grants the credits for an action - you should definitely check it in the Roles settings.

But, what should happen if you want this action to be available within the User Credits plugin only. For example, the 'Add new photo' service should be available for the credits only, regardless of role (membership type) a user has.

Logically, you go to the Roles management page and uncheck the action for Roles, but in this case it will also stop working for the User Credits plugin. Thus, you will not be able to configure the system, so the site members could upload photos only by credits.
Hereunder, if you want a user to receive/lose credits, the action should not be available to the roles (membership types).

I hope my explanation is clear enough. If not, please don't hesitate to get back to me for clarifications or additional instructions.

Abbey, you are right, the behavior of the User Credits plugins was changed in the update. When we added the dependency from the Account type, we've had to add  dependency from the roles. In my first reply I've asked you to check out the topic for more information about how the User Credits, Account types and User Roles work together: http://www.oxwall.org/forum/topic/23395

Now, you can configure your system the following way. 

For example: 

You have three actions: Add Video, Add Photo, Add Event. You want the site users:

- to be granted by 10 credits for photo adding, 

- can add events for free,

- can add video for 5 credits. 

Then you need to configure your site the following way:

- You should uncheck the 'Add Photo' and 'Add Video' actions for all roles via Admin Area > Privacy & Permission. This will mean that the users cannot perform these actions within their roles.

- Go to User Credits plugin settings (Admin Area > Plugins > User Credits >> Settings) and set the following values:

-- Add Photo: 10

-- Add Video: -5

For the Add Event service, since it should be free you should disable this action in the User Credits plugin and check for all roles.

That's it.

Also, you might find these configuration useful: http://www.oxwall.org/forum/topic/27556?page=1#post-125906

Do not hesitate to contact us if you need further assistance.

Abbey, the behavior you are describing makes sense only in case you are using the credits as the reward for the actions and want the actions to be shown as available on the Subscribe page and in addition the credits to be granted to users for these actions. 

I've forwarded this to our developers, they will check what can be done in this case.

Thank you.