Hello there, @mike.smack.

I'm here to help share information on how to charge a credit card on file.

If you're referring to accepting credit card payments from you customers, you may need to update the customer's billing information.

To update a customer's credit card information:

1. Go to Sales at the left pane.
2. Select Customers.
3. Select a customer in the Customer page.
4. Click on Edit. If you can't see the Edit button, you need to setup the credit card payment methods in the Payment List.
5. Click on Payment and Billing under the Customer information.
6. Select the current card number below the Preferred payment method line.
7. Select the + Add link in the upper right.
8. Enter the new card information, then select Save. After you save the entry, you can only view the last 4 digits of the card number.

To change a customer's credit card information in the sales receipt or receive payment:

1. Go to the Plus (+) icon.
2. Under customers, choose Sales Receipt or Receive Payment.
3. Choose the customer.
4. Select the current card number below Preferred payment method field.
5. Select the + Add link in the upper right.
6. Enter the new card information, then Save.

You can check this article for additional reference: Edit a customer's credit card information.

Also, if you need further assistance with the process, you may get in touch with our QuickBooks Support Team.

Let me know if you're referring to something else and if you have any other credit card questions. I'm always here to help you!