Issuance of charge cards and credit cards; charge card and credit card services; charge cards, credit cards; providing incentive award programs for customers and employees through the issuance of discount membership cards, charge cards, or credit cards for the purpose of promoting and rewarding loyalty; administration of a discount program for enabling participants to obtain discounts on goods and services through use of a discount membership cards, charge cards, or credit cards; arranging and conducting incentive rewards programs to promote the sale of automotive fuel, oil, and retail convenience store goods and services