move remove store credits and email to model
cc_params should have brand not type for active merchant
start using method that always returns a url that we should go to rather than nil
remove extra un-needed code
use convenience method (less code and less redirects)
remove code that isn't needed
update read me and setup to give better information.
Version Bump 1.4.2
Add whats next to the readme.
Give credit in contributors.md