How to disable the director requirement from the credit form as a default for all my customers

For some of your payment terms you may not require a director to be added.

If you go to Settings → Credit Forms → Payment Terms Settings → Select the filter "Active" = Yes → Then click on the "More" button Under Actions on the right of each active payment term 

Here you can untick the box to disable the Director requirement from the credit application form as a Default setting for all your customers.

Click on Save.