Since Braintree has added the ability to use [bank accounts for European customers](https://developers.braintreepayments.com/reference/response/europe-bank-account/ruby), they've deprecated the CreditCard model in favor of a more source-agnostic [PaymentMethod](https://developers.braintreepayments.com/reference/request/payment-method/create/ruby) model. This gem should probably be updated to reflect that