This research aims to investigate the factors that affect the consumer credit card delinquency, using 19,626 samples data provided by a major financial institution in Thailand. The result shows that being male, owner of enterprise and self employed, living in Bangkok, number of card holding, outstanding balance, minmum payment and minimum payment to income ratio have positive effect on the probability of credit card delinquency. While being state enterprise officer, age, income, credit limit to income ratio, payment, payment ratio and payment to income ratio have negative effect on the probability of credit card delinquency. For the delinquency groups of 5,168 samples, the result shows that number of card holding, minimum payment and minimum payment to income ratio have positive effect on the probability of the non-performing loan of credit card. While being owner of enterprise, age, income, credit limit to income ratio, payment, payment ratio and payment to income ratio have negative effect on the probability of the non-performing loan of credit card. In order to limit credit card default, Bang of Thailand should consider controlling the number of credit card holding and increasing the minimum income criteria. Bank of Thailand should revisit the minimum payment policy to reduce to 5%, especially during the downturned economy.