diff --git a/saas/app/models/account/limited.rb b/saas/app/models/account/limited.rb
index 6fed72e9e..eaf391ca1 100644
--- a/saas/app/models/account/limited.rb
+++ b/saas/app/models/account/limited.rb
@@ -8,11 +8,7 @@ module Account::Limited
   NEAR_CARD_LIMIT_THRESHOLD = 100
 
   def override_limits(card_count:)
-    if overridden_limits
-      overridden_limits.update(card_count: card_count)
-    else
-      create_overridden_limits(card_count: card_count)
-    end
+    (overridden_limits || build_overridden_limits).update!(card_count:)
   end
 
   def billed_cards_count