Thai University Chamber of Commerce survey (7-13 Sep 2026, 1,720 respondents): average household debt is 794,945 baht, up 7.3% and the highest since the survey began in 2009. Monthly repayments average 21,935 baht, up 8.11%. Credit card debt (55.1%) and BNPL (14.2%, up from 6.2%) are the most common types. Expect customers to have less spending power and tighter cash flow, so consider tighter credit terms for customers paying on credit. Households cite energy costs as a key pressure. The survey also expects debt problems to worsen over the next year, with 44% saying they will get worse. Business loans are taken mainly for working capital (57.2%).