Good morning, @Frank Diddit.

Thanks for reaching back out and letting us know that you're using the QuickBooks Online Desktop App. 

Let's try these troubleshooting steps to help resolve this issue of being able to manually save credit cards or not: 

Reset App Data: Click the Help menu, then Reset App Data.
Re-install: Uninstall and then re-install the app.

After that, go through the steps again to check / uncheck this box. If the problem persists, I recommend contacting our Customer Support Team for further assistance. 

Please keep us updated on how it goes. We want to ensure that you get this taken care of as soon as possible. Have great day!