This customer needs to have one payment account. I'm not sure whether it works to have customer having one inherited class. These are my two ideas:
Without Inheritance:
With Inheritance:
Which class diagram is correct: with or without inheritance?
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In the model without inheritance, a customer could have both a bank account and a credit card. You could add an --{xor}-- constraint between the associations if a customer can only have either one.
The diagram with inheritance clearly shows that a customer cannot have both a bank account and a credit card. But it also demands that each customer has an account. If there are customers without any account, then you should replace multiplicity "1" by "0..1".