You are still doing a near lossless transformation of the unique part of the credit card and name as one of your goals is zero (minimized) hash collisions. The

You are still doing a near lossless transformation of the unique part of the credit card and name as one of your goals is zero (minimized) hash collisions. The character set and length of the input plus reasonable assumptions about the salt and hash make it very likely "reversible" using rainbow tables or other brute force techniques. Choose metadata that doesn't have such high financial value. Additionally, it's been years since I've been involved in e-commerce and the details are now foggy, but if I recall storing those addition credit card digits, even transformed, will prevent you from achieving the industrial certifications.