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I'm not a big fan of linking DRM to credit cards. Eventually, credit cards expire, or you might decide to switch cards. There's no guarantee you'll have the same credit card number the next time you want to access your book.
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Doesn't matter. A new credit card would only affect new purchases (and re-downloads would be encrypted with the new card number). The only people a credit card change
might affect (tangentially only) are those who remove DRM--but even then, only those who don't remove DRM right away might have trouble. I actually prefer this form of social DRM (if DRM must be used at all).