There's motivation, and then there's whatever this is. It's certainly not motivational , that's for sure. There was a time not so long ago when credit cards were only used for big purchases. Then, stores evolved to let people use them for smaller shopping trips. These days, it seems like everyone has at least a few cards, and we use them constantly. Regular old cash has taken a back seat. Credit cards are ubiquitous at retail locations especially. Many stores offer their own credit cards. That…