 
 module.exports = CreateCreditCardForm = (props) ->
 
-  { formValues, initialValues, handleSubmit, isDirty, loading } = props
+  { isDirty, handleSubmit, formValues: values, placeholders, loading } = props
 
-  values = formValues or initialValues
 
-  { brand } = values
-
-  brand or= 'visa'
+  if isDirty
+    brand = values.brand
+    cardProps = values
+  else
+    brand = placeholders.brand
+    cardProps = placeholders
 
   <form className={styles.main} onSubmit={handleSubmit}>
     <Row bottom='xs' between='xs'>

              guide={off}
              name='exp_month'
              title='Expiration'
              placeholder='MM' />
          </Col>
          <Col xs={4} className={styles.tight}>
            <Input.Field

              guide={off}
              disabled={loading}
              name='exp_year'
              placeholder={if isDirty then 'YYYY' else placeholders.exp_year} />
          </Col>
          <Col xs={4} className={styles.tight}>
            <CreditCardInput.Field
