Trying to create a series of IF functions without being redundant, NEED Help

So I want to be able to input dollar amounts with either a v,m,d, or a in the cell next to them (representing visa, mastercard, discover and amex) and have a function sum the values for each corresponding credit card. The trouble i've encountered is trying to display the information without being redundant.

so far I have:
=IF(G19>0,"ROA VISA - "&G19,IF(H19>0,"ROA MASTERCARD - "&H19,IF(I19>0,"ROA DISCOVER - "&I19,IF(J19>0,"ROA AMEX - "&J19, " "))))
=IF(H19>0,"ROA MASTERCARD - "&H19,IF(I19>0,"ROA DISCOVER - "&I19,IF(J19>0,"ROA AMEX - "&J19, " ")))
=IF(I19>0,"ROA DISCOVER - "&I19,IF(J19>0,"ROA AMEX - "&J19, " "))
=IF(J19>0,"ROA AMEX - "&J19, " ")

If the data does not have all 4 types of cards then my output lines will list the same information twice.

i.e.

ROA MASTERCARD - X
ROA MASTERCARD - X
ROA DISCOVER - Y
ROA AMEX - Z

Basically, how do I tell it to not be redundant.

Why even use IFs?

Just have all four cards listed and display the total next to it, in a simple 2x4 output table.