Hi All,
We managed to sort it out so wanted to make it as resolved and explain what we did.
We 1st changed the order of payments in WooCommerce but that just shows them in a different order and has no bearing on the default selected item.
So what we did was disabled the payment option in the “woocommerce -> settings -> checkout area.
Then saved it and came back and re-enabled it.
It seems that it uses the natural order in the Database so it is all working and the Credit Card option is 1st and is appearing open as default.
Hope this helps others.