How does a user update a credit card?

Which subscription on which site?

XF does not store card details and XF licenses are not subscription based.
 
I believe you'll be asked to enter it again the next time you renew. It's not an auto renewal type thing.
 
Which subscription on which site?

XF supports recurring payments for users (see below). In the instance below, a user is charged $45/m. What if the user wants to update the bank card attached to their account? For example, if the card expires.

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