By Jennifer Taylor “Would you like to use your Macy”s card?” the sales clerk asked. She paused, one hand on the price tag of the new shirt. “No, thank you,” said Laquita. “You can take an extra 20 percent off!” the clerk prompted. “Not today, but thanks,” Laquita answered again with a polite smile. Suddenly Laquita”s two daughters joined the conversation. “Credit cards aren”t good,” piped up Jada, 8. “We don”t have them.” Four-year-old Jamiah stood on tiptoes and gripped the edge of the counter. “We don”t like credit cards!” she added. Laquita”s eyes shine as she tells the