I don't know about cards but I believe cemar's reference is to the "love bank" theory...
in relation to chapmans "the five love languages"
we each have our own ways of giving and receiving love (physical touch, words of affirmation, acts of service, gifts, quality time) one woman will be thrilled that her h vacuums the floor each week and that's enough for her if acts of service is her love language but if she's a physical touch gal and he's vacuuming instead of giving her a little sum sum well then he's waisting his time isn't he? or is he? wtf knows.
each time our partner speaks our language it is considered a deposit in our love bank.
so therefore sex (in the hd's case or the physical touch case) would be considered a deposit.
the more deposits you recieve the more likely you are to over look the withdrawals....
a tough line when what should be a deposit is suddenly look upon as a withdrawal...but that's pshychology for ya!