Basically, depend on the announcement of the bank of Thailand stipulate that person who can apply to use credit card must have minimum salary at 15,000 baht per month. In case of business owner must show documents by the checklist. Bank credit line will consider to approve person who can be used credit card. From present economy condition, most of people spend money more than the salary they earn and use future money (by loan and credit card). If this situation still keep going on like this, Thai economy will be like in Europe. Suggestion is people should spend money appropriately and don't spend money with unnecessary things.