Merits and Credit Point In Buddhism I was taught that studying and practices in Buddhism should not keep a mindset that a good deed action to expect a good return of credit points to be used afterlife.
Anyone has article explaining more on this. These are my personal thought why should not have such a mindset

Buddhism is not a bank afterlife
That is a trading mindset which i believe contradict or mislead the rule of thumb of Buddhism
Should focus on why a good deed &quot;cause and action&quot; and how to do it better on the good deed?
Yes. Those who want good things to happen them should be heedful in doing meritorious deeds.
From the Ittha Sutta:

Long life, beauty, status, honor,
heaven, high birth:
To those who delight
in aspiring for these things
in great measure, continuously,
the wise praise heedfulness
in making merit.

Those who do not want bad things to happen to them should be mindful of their conduct.
From the Themes Sutta:

“And for the sake of what benefit should a woman or a man, a
householder or one gone forth, often reflect thus: ‘I am the owner of
my kamma, the heir of my kamma; I have kamma as my origin, kamma as my
relative, kamma as my resort; I will be the heir of whatever kamma,
good or bad, that I do’? People engage in misconduct by body, speech,
and mind. But when one often reflects upon this theme, such misconduct
is either completely abandoned or diminished. It is for the sake of
this benefit that a woman or a man, a householder or one gone forth,
should often reflect thus: ‘I am the owner of my kamma, the heir of my
kamma; I have kamma as my origin, kamma as my relative, kamma as my
resort; I will be the heir of whatever kamma, good or bad, that I do.’

So, who says there is no bank account of kamma in Buddhism?
Yes, there is. But where does it end?
Everyone works to earn money to fill their bowl with food. Then they eat enough to have sufficient energy so that they can go back to work, to earn more money.
Similarly, everybody is busy running on the kamma hamster wheel to ensure that the periodic kamma bank balance (hopefully) looks positive.
Don't you get tired of that?
Also from the Themes Sutta:

“This noble disciple reflects thus: ‘I am not the only one who is the
owner of one’s kamma, the heir of one’s kamma; who has kamma as one’s
origin, kamma as one’s relative, kamma as one’s resort; who will be
the heir of whatever kamma, good or bad, that one does. All beings
that come and go, that pass away and undergo rebirth, are owners of
their kamma, heirs of their kamma; all have kamma as their origin,
kamma as their relative, kamma as their resort; all will be heirs of
whatever kamma, good or bad, that they do.’ As he often reflects on
this theme, the path is generated. He pursues this path, develops it,
and cultivates it. As he does so, the fetters are entirely abandoned
and the underlying tendencies are uprooted.

If you're tired of running on the hamster wheel, well, that's suffering.
Suffering, not because you did past bad kamma and have bad things happen to you.
But rather, suffering, because you have to struggle to keep going. And despite struggling and working hard to have a good future, it never permanently satisfies you. Good outcomes don't last forever and bad outcomes cannot be avoided forever.
Congratulations! You have just stumbled onto the first noble truth. Next, go on to the second, third and fourth noble truths, to find your way out of suffering.

P.S. Please note that not everything that happens to you is due to kamma. Sometimes it's due to other reasons like weather, bile, phlegm, clumsiness, harm done by others etc. - please see Sivaka Sutta and Devadaha Sutta for details.