I am using Payments by Booking.com - they process credit card not me - there are positives (payments collected ahead of time) and negatives (secdep = collect cash at door)
However in your explanation in this link, I am not totally clear whether your processing CC payment explanation is them or me (or both) collecting payment.
https://www.ownerrez.com/support/articles/connect-ownerrez-t-booking-com
Yep, the configuration there is a bit complex. If booking.com passes a booking.com payment setting to us on the booking, that will override the credit card required setting on the OwnerRez settings.