Team Approach does not have a setting to prevent credit card access (except for removing a user's access to the Gift Batch Detail/Giving History screens). 

There is a credit card restriction setting, but it is meant to control which users can view that information in Batch Detail/Giving History.  The details can be found at the link below:
Credit Card Number Access

The System setting can be found in System Preference Administration (under General Tab / Security Operation).   Specific users can have their access set to see CC numbers (either in the frontend or in reports/Query Output) by updating User Preference Administration, in the "Credit Card Number Access?" parameter.