Think of it as the way the IBM i stores your password. The systems encrypts
your password every time you enter it, and compares it against the stored
version. No need to have it "visible" in an unencrypted form. In the case
of credit cards, the most you would need is (at most), to store a "masked"
version of the data (something like 4110xxxxxx xxxx.. 987).
IBM Certified Systems Expert -- eServer i5 iSeries