"When checking out, it is not asking for a payment method type (e.g. credit card). This does not happen all the time though."

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Short Answer:

This is not a bug.   This happens if the order's grand total is $0.  If the order is $0, you do not need to  collect payment; that is why the checkout does not ask for a payment type in this case. One other possible reason that a payment option is not appearing is that you do not have any payment methods enabled (although this would be very unlikely to occur).

Detailed Explanation:

The most common reason that an order total would equal $0 is from promotions reducing the order price. You can see the Promotions total appears on the final payment page of the checkout.