A customer's saved cards live on the Payment Methods tab of their customer record. These cards are used for phone and back office orders. A saved card is not used for club runs until you link it to the club membership, even if it's the customer's primary card.
How to tell if a membership has a card linked
On the Club Members screen, look at the icon at the right of each member's row:
A Visa, Mastercard or Amex logo means a card is linked to the membership.
A red card icon with a plus means no card is linked. Club run charges for this member will fail.
How to link a card to a club membership
Go to Club Members.
Find the member and click the card icon at the right of their row. The Edit Payment Method pop-up opens.
In the dropdown, choose a card the customer already has on file, for example Card ending in 5454. Or choose Enter new card... and enter the name on the card, the card number and the expiry date.
Click Save.
What happens next
The card icon in the member's row changes to the card's logo. The card is used for the member's next club charge. If the member has a failed payment, retry it. See "How to retry failed club payments".
Troubleshooting
I set the card as primary but the club charge still failed. Setting a card as primary doesn't link it to the club membership. Link it with the card icon on the Club Members screen.