If you don't activate commerce_dunning_defaults but you want to use commerce_dunning_testing you will get this error when you try to access admin/config/development/dunning-testing:

PHP Fatal error: Call to undefined function commerce_dunning_testing_load_cards_with_other_payment_methods() in/sites/all/modules/contrib/commerce_dunning/tests/commerce_dunning_testing/commerce_dunning_testing.module

The function is inside commerce_dunning_defaults but it is never used there, it should be on commerce_dunning_testing.

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di3gopa created an issue.