The current issue is with expiring credit cards.  We either have to manually collect updated card info from donors and re-enter the data in their records or we have to wait till the credit card donation is rejected before asking them to fill out a new DIY form with the new information.   

Both scenarios are flawed.  Asking smaller non profits to collect credit card information puts the organization at risk and could be very risky. The donor would  would have to be on a call or send details via email.   If the we wait till the card expires before reaching out to the donor, our organization appears unorganized and we are at risk of loosing a month of donations or potentially loosing the donor all together.  If we were to ask them to fill out another DIY Form due to a soon to be expiring credit card then this would add another recurring donation to their records and charge them double till the card expired.

You have two options, one to allow the donors the ability to update their own information which I would imagine could cause lots of re-development.  The second option that could help a little would be to add a Starting Date field to the DIY Form.  This would allow organizations to be proactive in communicating with their donors letting them know that their card is about to expire and to go ahead and fill out a new entry and suggest they enter a starting date for the month after their previous card expired.