For example, if you had not converted points for three consecutive heists and only the final heist had raised your level to 61 (where the 700: 1 ratio begins), the 700:1 ratio would still be applied to all the skill points being processed. If you should forget to convert points in between heists, the conversion calculation will apply the level you are at when you do process your perk points, even if the final heist of the series raised you to a higher conversion ratio. if you were level 60 ( 600: 1 ratio) when you began a heist, but the experience gained raised you to level 61 ( 700: 1), then the ratio for level 61 would be applied. The conversion ratio is set by the level you were at after the skill points were added to your total, e.g.

For instance, at level 45 (rounding up to 50), the conversion ratio will be 500: 1. If you have earned any experience since you last checked the Perk Decks tab, the game will then 'convert' that XP into perk points at a given ratio, which mostly depends upon current player level - as a benchline, round your level up to the nearest 10, then multiply by 10. Gaining perk points is simple - after earning XP, go to the Skills & Perks screen and view the Perks Deck tab (selected in the upper left). It costs a total of 13,700 Perk Points to fully unlock all 9 cards in a single deck, and 301,400 Points to unlock all 22 decks. This is offset by the fact that the player may only have one active perk deck at a time. Unlike skill trees which cannot be fully unlocked because of the limited number of skill points obtainable in-game, Perk trees rely on the player's XP income, converted into Perk Points, which is limitless, thus allowing one to eventually unlock/complete all twenty-two decks. Presently, Perk Decks are not reset when going Infamous. Only one perk deck can be active at a time.

Replacing passive tier bonuses, the Perk Decks system allows players to pick from twenty-two different 'decks', each with nine perks (though the skills at second, fourth, sixth, and eighth rank are shared between all current decks).

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