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if you are going to do something with storing cc's then usually payment gateways like auth.net or maybe netbilling (i don't know) can do that for you and you charge later or whatever, but sending credit card info through email and/or storing in your own db is not a good idea at all. You should'nt store anything yourself unless your site and db's,etc are pci compliant, and even though pci compliance is a joke, it's just better to not deal with credit card handling yourself otherwise you'll have a lot to deal with if shit hits the fan
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