diff --git a/api/handlers/webhook.go b/api/handlers/webhook.go
index f266244..ebe9b02 100644
--- a/api/handlers/webhook.go
+++ b/api/handlers/webhook.go
@@ -244,6 +244,11 @@ func (h *WebhookHandler) handleCheckoutSessionCompleted(ctx context.Context, eve
 			if _, derr := paymentmethod.Detach(pm.ID, nil); derr != nil {
 				webhookLog().Warn("failed to detach duplicate pm", "user_id", user.ID, "error", derr)
 			}
+			// Bump UpdatedAt so the TUI poll signal can detect that the webhook
+			// fired even though no new row was inserted.
+			if uerr := db.Model(&dup).Update("updated_at", time.Now()).Error; uerr != nil {
+				webhookLog().Warn("failed to bump dup card updated_at", "card_id", dup.ID, "error", uerr)
+			}
 			webhookLog().Info("skipped duplicate card via local-db match", "user_id", user.ID, "existing_card_id", dup.ID)
 			return
 		}
diff --git a/pkg/tui/confirmation.go b/pkg/tui/confirmation.go
index bf0e1cc..9246b70 100644
--- a/pkg/tui/confirmation.go
+++ b/pkg/tui/confirmation.go
@@ -132,7 +132,11 @@ func (m Model) generateReviewContent() string {
 	view := strings.Builder{}
 
 	if m.review.cardJustAdded {
-		view.WriteString(m.theme.TextSuccess().Bold(true).Render("card added successfully") + "\n\n")
+		if m.review.cardWasDuplicate {
+			view.WriteString(m.theme.TextDim().Render("identical card already saved — using existing card") + "\n\n")
+		} else {
+			view.WriteString(m.theme.TextSuccess().Bold(true).Render("card added successfully") + "\n\n")
+		}
 	}
 
 	if m.ShippingInfo != nil {
diff --git a/pkg/tui/model.go b/pkg/tui/model.go
index 40f76e0..ae0fb87 100644
--- a/pkg/tui/model.go
+++ b/pkg/tui/model.go
@@ -170,6 +170,7 @@ type paymentState struct {
 	cardCursor       int
 	collectURL       *string
 	collectCardCount int
+	collectBaseline  time.Time
 	viewport         viewport.Model
 	viewportReady    bool
 }
@@ -191,8 +192,9 @@ type accountState struct {
 }
 
 type reviewState struct {
-	cardJustAdded bool
-	success       bool
+	cardJustAdded    bool
+	cardWasDuplicate bool
+	success          bool
 }
 
 type confirmState struct {
@@ -951,18 +953,24 @@ func (m Model) pollOrderCmd() tea.Cmd {
 	})
 }
 
-func (m Model) pollCardsCmd(cardCount int) tea.Cmd {
+func (m Model) pollCardsCmd(baseline time.Time, baselineCount int) tea.Cmd {
 	return tea.Tick(time.Second, func(_ time.Time) tea.Msg {
 		if m.APIClient == nil {
-			return PollPaymentStatusMsg{CardCount: cardCount}
+			return PollPaymentStatusMsg{Baseline: baseline, BaselineCount: baselineCount}
 		}
 		cards, err := m.APIClient.GetCards()
 		if err != nil {
-			return PollPaymentStatusMsg{CardCount: cardCount}
+			return PollPaymentStatusMsg{Baseline: baseline, BaselineCount: baselineCount}
 		}
-		if len(cards) > cardCount {
-			return PollPaymentCompleteMsg{Cards: cards}
+		var newest time.Time
+		for _, card := range cards {
+			if card.UpdatedAt.After(newest) {
+				newest = card.UpdatedAt
+			}
 		}
-		return PollPaymentStatusMsg{CardCount: cardCount}
+		if newest.After(baseline) {
+			return PollPaymentCompleteMsg{Cards: cards, Duplicate: len(cards) == baselineCount}
+		}
+		return PollPaymentStatusMsg{Baseline: baseline, BaselineCount: baselineCount}
 	})
 }
diff --git a/pkg/tui/payment_form.go b/pkg/tui/payment_form.go
index 4b0da37..60ce682 100644
--- a/pkg/tui/payment_form.go
+++ b/pkg/tui/payment_form.go
@@ -3,6 +3,7 @@ package tui
 import (
 	"fmt"
 	"strings"
+	"time"
 
 	"github.com/charmbracelet/bubbles/viewport"
 	tea "github.com/charmbracelet/bubbletea"
@@ -59,13 +60,15 @@ type PollPaymentInitMsg struct {
 // PollPaymentStatusMsg is sent each polling tick while waiting for the browser
 // card entry to complete.
 type PollPaymentStatusMsg struct {
-	CardCount int
+	Baseline      time.Time
+	BaselineCount int
 }
 
 // PollPaymentCompleteMsg is sent when the card count increases, meaning the
 // webhook saved the new card
 type PollPaymentCompleteMsg struct {
-	Cards []models.Card
+	Cards     []models.Card
+	Duplicate bool
 }
 
 // buildPaymentForm creates the huh form bound to state's fields.
@@ -436,13 +439,13 @@ func (m Model) PaymentUpdate(msg tea.Msg) (Model, tea.Cmd) {
 	case PollPaymentInitMsg:
 		url := msg.URL
 		m.payment.collectURL = &url
-		return m, m.pollCardsCmd(m.payment.collectCardCount)
+		return m, m.pollCardsCmd(m.payment.collectBaseline, m.payment.collectCardCount)
 
 	case PollPaymentStatusMsg:
 		if m.payment.view != 2 {
 			return m, nil // user navigated away, stop polling
 		}
-		return m, m.pollCardsCmd(msg.CardCount)
+		return m, m.pollCardsCmd(msg.Baseline, msg.BaselineCount)
 
 	case PollPaymentCompleteMsg:
 		if m.payment.view != 2 {
@@ -451,9 +454,19 @@ func (m Model) PaymentUpdate(msg tea.Msg) (Model, tea.Cmd) {
 		m.SavedCards = msg.Cards
 		m.payment.view = 0
 		m.payment.collectURL = nil
-		selected := m.SavedCards[len(m.SavedCards)-1]
+		var selected models.Card
+		if msg.Duplicate {
+			for _, card := range m.SavedCards {
+				if selected.ID == 0 || card.UpdatedAt.After(selected.UpdatedAt) {
+					selected = card
+				}
+			}
+		} else {
+			selected = m.SavedCards[len(m.SavedCards)-1]
+		}
 		m.SelectedCard = &selected
 		m.review.cardJustAdded = true
+		m.review.cardWasDuplicate = msg.Duplicate
 		return m.ReviewSwitch()
 	}
 
@@ -496,6 +509,13 @@ func (m Model) PaymentUpdate(msg tea.Msg) (Model, tea.Cmd) {
 			m.payment.view = 2
 			m.payment.collectURL = nil
 			m.payment.collectCardCount = len(m.SavedCards)
+			var maxT time.Time
+			for _, card := range m.SavedCards {
+				if card.UpdatedAt.After(maxT) {
+					maxT = card.UpdatedAt
+				}
+			}
+			m.payment.collectBaseline = maxT
 			m.footer = []footerCommand{
 				{key: "esc", value: "back"},
 			}