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I think that the epub file itself has the credit-card based DRM as part of it. So it would depend on when you got the actually epub file onto your device or PC. In other words, if you have the epub file on your PC and bought it say 6 months ago when your old card was in effect (and didn't archive it or remove it or anything), then the card info in the epub file would remain the old card number. So if you used say the DRM plugin to remove it, you should give it that old card number.
On the other hand, if you have a bunch of old books you bought say 2 years ago but they are no longer on your device (archived or whatever), and in the meantime have changed your credit card with B&N, if you then pull those books down onto your PC anew, I think they would have the latest card number inside them and you would use the new number in the plugin. If I'm wrong and they still retain the old number (seems doubtful), you could just use that instead.
Basically, I think people who are worried about B&N stopping support of their ebooks should get all of their books now and FOR BACKUP ONLY remove the DRM and save them to an external harddrive.
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