Help Bought a Grace

So I bought a grace help get my toon get geared back up, have not played since 2010. What is best way to disperse the credit? Create buy oders to hold the credits, or transfer to alts? I saw one post state you could create buy orders for up to 4 bill, but I cannot seem to do this. Keeps saying insufficient funds…

You must withdraw credz until your balance in the GMI is below 4b. about where to store the cash, imho the best way is to transfer it to alts but u can do what was suggested after your balance is below 4b, create buyorders on not really buyable things like backpacks. But everytime they time out you have to withdraw again until u are below 4b.