Obviously this has been a topic of much interest to everyone in the game ever since point cards came out. Many suggestions have been made to try and fix this but I have yet to see any really implemented, so I've decided to list out a bunch of problems with point cards and make some suggestions.
First and foremost on everyone's mind is the obtaining of point cards. The FM price is most certainly too high. 2500 FM per point card makes just a 1star card 25,000 FM which is pretty ridiculous and no gran price for point cards makes them very hard to attain. However GMs have already stressed that point cards are more for completing your set of cards rather than for buying singles so you can have 3 of everything, so no gran price is understandable. Also, since GMs have been making more events and giving out more point cards to everyone, I have less to complain about. My only suggestion is to lower the FM price, even if only by 100 FM. I imagine 2000 or 1500 FM per point card would be the ideal price, but only the GMs can decide this, so I'll leave it up to them.
Second, and the one I want to complain most about, is rarity to point card ratio. 10 point cards per star is JUST WRONG. And whats with the 20 point card jump from 3star to 4star? It would make more sense I think for the 20 point card jump to be between 4star and 5star cards. The only card ratio I agree with is 60 point cards = a 5star card. Anyway my suggestion for this would be to change the rarity to point card ratio so that it is in a more geometric growth rate then linear. So for example point card exchange rates should look more like this:
7 point cards = 1 star card
15 point cards = 2 star card
25 point cards = 3 star card
40 point cards = 4 star card
60 point cards = 5 star card
Really I imagine this would be one of the easiest things to change about point cards, so I'm kind of surprised no one has done anything about it or even really suggested it.
Actually I can't really think of anything else so if anybody else has anything to add, please do. Also feel free to criticize as I may be wrong, misinformed, or just ignorant on some of these points.