Is there a way to eliminate the need for credit card if customer's balance is zero? For example: Client makes a purchase that is $10.00 and has a $10.00 coupon or Gift certificate, or for some reason has a credit on their account. I am finding that they are still required to put in their credit card information even with a zero balance in the shopping cart. I would like it to be that if balance is zero, they are not required to give credit card information. Is this possible?