Hello Brandon,
As for the problem with the grant/lose credits, have you read this topic: http://www.oxwall.org/forum/topic/23395?
As for the User Roles, could you please provide us with more information. The screenshots will be highly appreciated.
Dear Brandon,
If you, for example, want to grant credits for the photo upload, you need to perform following settings:
- Go to Admin Area > Users > User Roles and uncheck the 'Upload photo' action for all roles.
- Go to Admin Area > Plugins > User Credits >> Settings and set positive value for the 'Add Photo' action.
Then upload a photo and check if your balance is topped up.
If this does not help you, please PM your site admin access details and we will check into this issue for you.
Please check out these articles:
https://docs.oxwall.org/user-manual:users:profile-questions
http://www.oxwall.org/forum/topic/23395?page=1#post-106406
Do not hesitate to contact us if you have further questions.