diff --git a/bin/ngcp-credit-warning b/bin/ngcp-credit-warning
index 40cef6e..df61373 100755
--- a/bin/ngcp-credit-warning
+++ b/bin/ngcp-credit-warning
@@ -50,7 +50,7 @@ sub usage {
 }
 
 sub load_config {
-    $config = XML::Simple->new()->XMLin($config_file, ForceArray => 0)
+    $config = XML::Simple->new()->XMLin($config_file, ForceArray => [ 'credit_warnings' ])
         or die "Cannot load config: $config_file: $ERRNO";
     return;
 }