Forum Academy Marketplace Showcase Pricing Features

Collect Credit Card Information ONLY WHEN

Today I discovered that I have to collect the users credit card information first before I can start the subscription process.

Is there a way that I can skip the “collect credit card information” if credit card information is available? I was not sure how to set the ONLY WHEN condition.

Is it ok to use: ONLY WHEN current User’s Stripe Credit card is empty ?
Or is there an other expression ot check current users credit card availablitiy? I want to avoid showing the collect credit card screen if not necessary. Appreciate your hints.