CreditCardType.php

<?php

// *Snip*

class CreditCardType extends AbstractType
{
    public function buildForm(FormBuilderInterface $builder, array $options)
    {
        /**
         * @var Entity\CreditCard $data
         */
        $data = $builder->getData();
        
        // *Snip*

        $fullProfileAddress = false;
        $user = $data->getUser();

        /** @noinspection IsEmptyFunctionUsageInspection */
        if ($user instanceof User
            && !empty($user->getAddress())
            && !empty($user->getCity())
            && !empty($user->getState())
            //&& !empty($user->getZip()) Probably we can allow an empty zip code?
            && !empty($user->getCountry())
        ){
            $fullProfileAddress = true;
        }

        if ($fullProfileAddress) {
            $builder->add('billing_as_profile', CheckboxType::class, [
                'label' => 'Use billing address from my profile',
                'attr' => ['autocomplete' => 'off'],
                'data' => true,
                'required' => false,
            ]);
        }
        
        // *Snip*
    }
    
    // *Snip*
}