Celsius Posted February 5 Share Posted February 5 My wife has 2 credit cards that the was paying on time and in full for the last 10 years. last month for the first time she paid one of those cards late by 2 weeks (stress). The amount owed was just over 2000b and it is now paid. can late payments like this prevent you from getting a large loan in the near future, like buying a condo? Link to comment Share on other sites More sharing options...
Popular Post Swiss1960 Posted February 5 Popular Post Share Posted February 5 It will impact her credit rating, but a one-time slip in 10 years should not impact future loans / credits 2 2 Link to comment Share on other sites More sharing options...
mfinasi Posted February 5 Share Posted February 5 Wait another cycle and get the credit file. If it doesn't show there it shouldn't be a problem. https://www.ncb.co.th/check-your-credit-bureau/where-to-check-credit-bureau/?12 1 Link to comment Share on other sites More sharing options...
Celsius Posted February 5 Author Share Posted February 5 thanks guys Link to comment Share on other sites More sharing options...
OneMoreFarang Posted February 5 Share Posted February 5 53 minutes ago, Celsius said: can late payments like this prevent you from getting a large loan in the near future It won't prevent you from getting a loan. But the conditions of that loan might vary depending on your credit rating. 1 Link to comment Share on other sites More sharing options...
scubascuba3 Posted February 5 Share Posted February 5 Best to pay total balance by direct debit every month, avoids these mistakes Link to comment Share on other sites More sharing options...
1FinickyOne Posted February 6 Share Posted February 6 They make interest on late payments - they love it... Link to comment Share on other sites More sharing options...
mark5335 Posted February 7 Share Posted February 7 As the account went past due for less than 30 days there shouldn't be any drama at all, and a 2 week late payment can easily be explained as an oversight whilst traveling etc. given your wife's previous excellent ayment record. A late payment history is noted in the National Credit Bureau records usually up to 24 months. If your wife's late payment was made before the end of the month, then this would be likely to show up on the NCB report under the Overdue Amount column. Link to comment Share on other sites More sharing options...
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