T_Default settings about credit cards

I noticed today that there is a setting in T_Defaults that will allow an organization to not store credit card numbers (CC_Store_Account - if set to No, credit card numbers are not stored). Is any organization using this entry with the value = No? We are looking at reducing the number of credit cards we store and have scheduled the Purge Credit Card utility, but wondered what the implications are to not store credit cards at all? We do credit card billing for our memberships - will it still keep those cards if we use this setting = No?

For those that are storing credit cards, and do pledge credit card billing, there is an entry called Default_CC_Expiry_Extend_Days which we do use with the value of 90. The documentation says that any billing utility will use this setting to extend the expiry date on an expired credit card by x many days when running the utility. What value do you have for this entry?

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