Abstract: A credit accumulation and accessing system for a plurality of sponsoring companies and participants having at each sponsoring company location (14, 16), a common bus (26), which communicates with participant data input (28), performance data input (34), computer processing (24), memory (30), an award output device (36), and an input/output device (32). Input/output device (32) may connect to a central control center (12), and/or a plurality of second sponsoring companies (14, 16), and/or a plurality of financial institutions (94), through communication lines (38). Sponsoring company, participant, and performance data, along with award conversion tables, pyramidal association tables, award applicable merchandise UPC codes, financial-institution-issued lines of credit and computer operational programming, are stored.