Section 2: How to Best Use the BLOC Program

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:

benefits:
• get a 25-day grace period of no interest
• ease of use
• earn benefits and rebate awards
• 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.

Caution:
The ease of credit cards can run up debts. You must treat your credit cards like money and budget their use. You might consider prepaid cards to manage your expenses.

View our information about pre-paid cards

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:
   
   view our information on how pre-paid credit cards can control spending