according to the rules of normalization the logic chain goes something like this
is it an autonomous object?
yes = one table
no ->
how many autonomous objects is it?
So what you have is this
a modle object -> name, b-day, ss, height, weight, hair-color, etc.
a credit card object -> owner (foreign key to modle), type, number, exp-date
etc.
my rule of thumb is if I have more then 10 fields in a table it probably isn't normalized very well.