diff --git a/src/com/android/settings/nfc/PaymentSettings.java b/src/com/android/settings/nfc/PaymentSettings.java
index bd131ab1ab0..a1af7aeaf41 100644
--- a/src/com/android/settings/nfc/PaymentSettings.java
+++ b/src/com/android/settings/nfc/PaymentSettings.java
@@ -116,10 +116,11 @@ public class PaymentSettings extends SettingsPreferenceFragment {
                 PaymentBackend paymentBackend = new PaymentBackend(mContext);
                 paymentBackend.refresh();
                 PaymentAppInfo app = paymentBackend.getDefaultApp();
+                String summary = null;
                 if (app != null) {
-                    mSummaryLoader.setSummary(this, mContext.getString(R.string.payment_summary,
-                            app.label));
+                    summary = mContext.getString(R.string.payment_summary, app.label);
                 }
+                mSummaryLoader.setSummary(this, summary);
             }
         }
     }