So it is in fact balanced by its card cost, the stat point only like "action point" to change its strength?
Yes, since increasing strength through stat points will raise the cost in the process.
If it is like that, I would like to see a lot of stat points, you can rather freely to change your card, like every week you will have enough point to change it into anything?
I'm think that stat points would work more like the former - you can add/remove them any time you want and customize your card accordingly.
Dose that meant you will get refund (full or part) if you remove something, so stat point meant that is how far your card can go?
You get a full refund at the moment. Perhaps I'll change it to partial refund though to encourage people to keep playing daily quest.
I like the idea that you can change the card often, but not like every battle, if it is like the later, it seems to losing the "Personal" in it.
Maybe. I'm not sure if the changing needs a limit - on one hand, it would discourage minmaxing to get the most broken combo out of a card quickly as russianspy mentioned above. On the other hand, it only slows down the process of finding and fixing a broken combo, restricts its usage in PvP Events (which are a big part of this game), and would probably lead to a lot of grumbling to allow it to be changed as much as possible. (Limiting the opportunity to alter a personal card would also get in the way of testing high-quality card ideas that users want to put in the game but Zanz doesn't want to make official.)
If it only refund a part of stat point, it would stop people from changing it every battle, and if they keep playing the daily quest, they would have a large reserve of stat point if they don't change it too often.
So they can still make a lot of changes in a PVP event if they wish, or make quite some tests, but still somehow something personal not like marks.