diff --git a/prototype/src/main/resources/templates/user/settings.html b/prototype/src/main/resources/templates/user/settings.html
index 80bd60e..3e71125 100644
--- a/prototype/src/main/resources/templates/user/settings.html
+++ b/prototype/src/main/resources/templates/user/settings.html
@@ -91,7 +91,11 @@
             </div>
             <div>
                 <div class="input-icon">
-                    <input class="full-width" type="text" name="creditCardNumber" th:value="${user.defaultPayment.creditCardNumber}"/>
+                    <input class="full-width"
+                           type="text"
+                           name="creditCardNumber"
+                           th:value="${user.defaultPayment != null && user.defaultPayment.creditCardNumber != null ? user.defaultPayment.creditCardNumber : ''}"
+                           placeholder="Jetzt Kreditkartennummer hinterlegen."/>
                     <button> Kreditkartennummer ändern</button>
                 </div>
             </div>