A customer is able to change, edit or update the credit card information by logging into their account in Customer Center.
This option is tied up to a Shopping Preference called "Display 'Save My Credit Card Info' field" that is found by navigating into Setup > Site Builder > Set Up Web Site > Shopping tab > Payments Page portlet.
If this is check, a tick box appears in the Payment Information page of the Customer Center that is called 'Save My Credit Card Info' where they can check if there is a need to change or update the credit card that is currently saved.
If this is unchecked, customers cannot opt out of having their card information saved.
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