Board Thread:Club Penguin/@comment-15305799-20140320024324/@comment-4018164-20140421060114

The player card image is only for the player card, which is only meant to represent your "avatar" (as for today) in the buddy list, in igloo like lists, and also in friends alerts that pops from the bottom of the screen. The stamps and coins are separate objects that only you can view, and by clicking your penguin image, others can open your player card and open your stampbook, which also tells the number of total stamps you've earned.

As for now, only PH is online from time to time. And no, mascots' trackers are never 100%, but who knows, maybe at some point someont will find a way to create one.