So the easy and one-solution-fixes-all scenarios, we can add a checkbox per payment method, so you can enable to show a CC form or not (default disabled).
The person that enables the payment method, is responsible if CC method is enabled for his/her payment method.
(Maybe a small text to explain what it does and 90% it doesn’t have to be enabled?)
Sounds like a easy fix that solves the problem, as far as I understand the issue above