Bank of Thailand and National Credit Bureau data show bad debt in the credit bureau system at 1.1-1.2 trillion baht in 2024-2025, with NPL steady near 9.7% and special mention loans near 4.3%. Car hire-purchase, personal loans and credit cards show the most strain, and lenders are tightening approvals for new credit. For a business owner, expect tougher credit checks on loans and card limits, and a bad payment is recorded at the credit bureau and can block future financing. Prepare for stricter lending and keep your own customers' payment terms tight.