See this thread in GMF - https://groups.io/g/GroupManagersForum/topic/76526722

Suggestion is to turn off Billing->Credit Card under Account if the member is not a group owner or Donations is not turned on.
If Donations is not turned on, its presence is not needed and only adds confusion for those who are not group owners.

Thanks!
-chuck
[Mod note: edited the subject to be more descriptive]