If no user is currently logged in, pressing the PS4 button takes you directly to the user account screen. Press left or right on the directional pad to highlight the account with the credit card information you wish to remove, then press ✕ to log in to that account. You may need to enter a login passcode for the new user, if there is a passcode already associated with the account.

You can also use the left analog stick to control the cursor on the home screen.