The benefit of transferring T-Credits to our PSAs or CSAs is mainly psychological. Most of us can only afford to give at most five or ten T-Credits but the gift itself shows we are thinking of our downline Team. It is kind of like giving a Thank You card which doesn't give any real financial remuneration but it does make the recipient feel good. Transfering T-Credits to our PSAs and CSAs builds relationships with them and that's a good thing.