diff --git a/app/models/spree/credit_card.rb b/app/models/spree/credit_card.rb
index 5a4efea485..b733610094 100644
--- a/app/models/spree/credit_card.rb
+++ b/app/models/spree/credit_card.rb
@@ -147,7 +147,7 @@ module Spree
     end
 
     def default_card_needs_updating?
-      is_default_changed? || gateway_customer_profile_id_changed?
+      saved_change_to_is_default? || gateway_customer_profile_id_changed?
     end
 
     def ensure_single_default_card