Let me illustrate the problem with an example.
  1. Customer has a MasterCard
  2. Customer is issued a new MasterCard from bank.
  3. Customer goes to enter new MasterCard number in MogStation through the Add/Change Subscriptions process.
  4. Because their new card the same type as their old type (MasterCard) they have no reason to change the payment method from MasterCard to something else.
  5. User is told "No changes have been made to your subscription or payment method."

Well, yes, because it's STILL a Master Card, but the card/number itself is different. This is an overzealous validation and it prevents me from updating my payment method.