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

              disabled={loading}
              fieldType='number'
              name='number'
              brand={brand}
              title='Credit Card Number' />
          </Col>

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