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B&N uses an updated version of the DRM that has an encryption key tied to your name and part of your credit card number. This key is generated when you download a title and doesn't require access to the content server like the old version of ADE. The content server is still used for certain aspects of the DRM, but simply opening a book you buy can be done offline. (I believe activating the device the first time downloads the encryption key from the ADE Content servers... it's tricky to figure out when official documentation is almost impossible to find)
The only time the B&N ADE DRM (which is being adopted by more eBook readers now) will cause inconvenience due to a new credit card number is when you both have a new credit card, no longer have a record of the old number, can no longer redownload a copy from the source, AND you want to strip the DRM... The content server should have all of your keys associated with your account, so reading on an official device shouldn't be a problem (once again, only based on observation of how this system works from the outside.)
If you strip the DRM off B&N books, you are probably already saving your key anyway... which doesn't require storing your credit card number.
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