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 1. Buddhism is not a bank afterlife 2. That is a trading mindset which i believe contradict or mislead the rule of thumb of Buddhism 3. Should focus on why a good deed "cause and action" and how to do it better on the good deed?