Simply stating on the pledge, recurring gift, or membership that payments should be charged automatically will not complete the process.  In order for the credit card to be charged, you must also use EFT to Generate Payments and process credit cards.  For more information on this, see EFT and Credit Card Processes.

If the pledge or recurring gift was setup to use a direct debit, ensure you have an EFT process for Direct Debits setup. For more information on this, see Setting up Direct Debit in Altru.