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If you have any plans to use "Oracle Application Management Pack for Oracle E-Business Suite", please note that the latest release is 3.1 -- See (Note: 982302.1 - Getting Started with Oracle Application Management Pack for Oracle E-Business Suite, Release 3.1) for details and for the additional patches you need to apply for data scrambling.
I believe direct updating the tables, specially financials, in a no-no. Also, it's actually a violation into any PCI compliance.
With the CC encryption patch(i.e. without any tools for scrambling), E-Business/iStore/iPayment are PCI compliant -- atleast on companies that I know and worked with. Even though CC numbers are stored in a "clear text" format, the value is encrypted. Somebody would need the security key in order to decrypt numbers (passing thru Oracle Apps/ Database standard security) -- applies in PROD and any number of clone instance.