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— Step 4: Use Methods to Maximize Benefits —
Use a credit card to pay all living expenses

To receive the maximum benefits of your BLOC, use a credit card to pay for all living expenses:

  • get a 25-day grace period of no interest
  • enjoy ease of use
  • earn benefits and rebate awards
  • insure protection against lost and stolen cards

  • use your card to:
  • buy groceries,
  • gas and other transportation services
  • utility services
  • insurance
  • supplies
  • entertainment
  • all other living and needed expenses
When your credit card payment comes due, use your BLOC to payoff your credit card.

That gives you 25 days of FREE money which means the average daily balance on your BLOC account will remain low for minimum interest charged this allows you to use the bank's money.

Finding Your Card

1: If you can budget and control your spending, use a reward credit card to build award points:

download our article on maximizing credit card use for reward gain

2: if you are unable to control spending because of the ease of credit cards, consider using pre-paid cards to manage spending.

Card Category:
Intro APR:
Time Period:
APR (Purch.)
Annual Fee:


go to Success Plan: Step 5


Home Equity Application


  • [view] 10-Step Success Plan
  • [view]SP4: Max Benefits
  • [view]SP10: Final Note
  • [view] Home Market Valuations
  • [view] Return to YourEquity