It would be one less step to have the card on file as the first in the drop down list instead of "Add a New Card" option. It seems counterintuitive to have to take the step to select the card on file and it not be automatically first in the list.
When applying a payment to an invoice and using a client's credit card, if the client has multiple credit cards on file show me which card was charged last so I know which one to use.
When we go to process a payment, but there are multiple credit cards on file it would be nice to reference the past few invoice payment details if they also included the last 4 digits of the card used. Additionally the client just may have a preferred card so being able to reference past payment details, card info included, may negate the need to repeatedly contact the client to know which card to charge.
