diff --git a/worker.py b/worker.py
index c4c6496..45e13f3 100644
--- a/worker.py
+++ b/worker.py
@@ -489,7 +489,8 @@ class ChatWorker(threading.Thread):
         if credit_required > 0:
             self.bot.send_message(self.chat.id, strings.error_not_enough_credit)
             # Suggest payment for missing credit value if configuration allows refill
-            if configloader.config["Appearance"]["refill_on_checkout"] == 'yes':
+            if configloader.config["Credit Card"]["credit_card_token"] != "" \
+                    and configloader.config["Appearance"]["refill_on_checkout"] == 'yes':
                 self.__make_payment(utils.Price(credit_required))
         # If afer requested payment credit is still insufficient (either payment failure or cancel)
         if self.user.credit < self.__get_cart_value(cart):