Thanks for getting back and providing additional updates on your concern, @KSMiller. I'll take care of this issue for you.

In this situation, you're unable to delete a customer's credit card information. What you can do is edit and replace it with a non-transacting card number. This will overwrite your customer's saved credit card information and stop charging the card. Here's how:

1. Click on the Customers & leads, then select Customers.
2. Select the customer name, then click the Edit button.
3. Go to the Payments section.
4. Under the Preferred payment method field, select the credit card number.
5. On the Credit Card Information window, select Add.
6. Change the Credit card number to something like 4111-1111-1111-1111.
7. Enter any date in the future as the expiration date.
8. Click Save.

Another option you can do is merge the customer accounts. You can use an account that doesn't have credit card information and merge it. 

First, you need to create a new customer account. To do so, you can follow the steps below:

1. Click on the Customers & leads, then select Customers.
2. Select New customer.
3. Enter the same information as the original customer account except the Payment and billing information.
4. Add 1 or other identifier to the name in the Display name field.
5. Select Save.

The next thing to do is rename and merge the original account to the new one. Here's how:

1. Select the original customer account, then click Edit.
2. Add the same identifier you added on the new account to the original one.
3. Select Save.
4. A confirmation prompt will pop up, then select Yes to merge the account. 

Lastly, you can rename the merged account to the original one by removing the identifier.

In addition, you can record payments manually to connect them with the invoices to balance your account.

Keep me posted if you need further assistance managing your payment options in QuickBooks. I'll be here to provide you with the support that you need. Take care and have a great day!