There is a credit card under
Top > Commerce Director > Online Payments > Credit Cards with both Allow payment by this payment method and Use this payment method for recurring payments options enabled.
After the first successfull renewal paid by the credit card its Use this payment method for recurring payments option becomes disabled and it is impossible to use it again.
The behaviour is classified as the software issue PBAS-29620 and was fixed in OBAS 4.5.5.
To resolve the issue, please upgrade to 4.5.5 as described in How to upgrade OBAS system to the latest available version.