How do I change the credit card on my account. I do not have it ties to a paypal account.

The credit card used to pay for your account can be updated from the account billing page.  Here is our guide on updating your payment information:

https://www.jotform.com/help/330-How-to-change-my-Payment-Method

And here is a direct link to the billing page:

https://www.jotform.com/myaccount/billing