See reply's from others above, you are no longer allowed to store cc info in the db unless you are fully PCI DSS compliant. (Very stringent regulations which include the physical location and security of the actual server used too..in addition to software, firewall +++ requirements)
Instead get yourself a PayPal Pro account and then use the included payment module for that to accept cc payments for your shop. (Still need to be PCI DSS compliant since cc info is transmitted through your site, but its quite easy to achieve since its a much lower level due to that you don't store the cc info in the db)
Or use PayPal standard or express. (PCI DSS complaince not needed, since your oscommerce shop do not transmit or store cc info)
Alternatively you can use a cc info collection service like www.e-path.com.au . (PCI DSS complaince not needed, since your oscommerce shop do not transmit or store cc info)