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Platební morálka

English translation: credit history

12:44 Feb 11, 2011
Czech to English translations [PRO]
Bus/Financial - Business/Commerce (general)
Czech term or phrase: Platební morálka
"Klient s dobrou platební morálkou" (referring to bank loans, credit rating etc.)

I've seen this phrase in a number of contexts and can never find a satisfactory translation.

Payment morale? Payment reliability?
Iain Thomson
Local time: 02:42
English translation:credit history
Explanation:
I think that is what banks in the UK would use to talk about good payers. If you go over your overdraft limit or whatever then it damages your "credit history"
Selected response from:

Charles Stanford
Czech Republic
Local time: 02:42
Grading comment
4 KudoZ points were awarded for this answer



Summary of answers provided
4 +8Payment performance / Payment history
Radana_K
4 +1payment practices
Melissa Dedina
4payment morale
Zbyněk Táborský
4Reliable payer
Charles Stanford
4credit history
Charles Stanford
3payment morality
Dalibor Uhlik
3payment record
Barry Appleby


Discussion entries: 6





  

Answers


1 min   confidence: Answerer confidence 4/5Answerer confidence 4/5
payment morale


Explanation:
...

Zbyněk Táborský
Czech Republic
Local time: 02:42
Specializes in field
Native speaker of: Czech
PRO pts in category: 8

Peer comments on this answer (and responses from the answerer)
agree  jankaisler: jasně
0 min
  -> Díky, Jane!
disagree  Radka Crossley: morale has a totally different meaning than "moralka" http://en.wikipedia.org/wiki/Morale vs. http://cs.wikipedia.org/wiki/Morálka
53 mins
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1 min   confidence: Answerer confidence 3/5Answerer confidence 3/5
payment morality


Explanation:
x

Dalibor Uhlik
Czech Republic
Local time: 02:42
Specializes in field
Native speaker of: Native in CzechCzech

Peer comments on this answer (and responses from the answerer)
neutral  jankaisler: to je vyšší úroveň - etika
1 min
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11 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5
Reliable payer


Explanation:
Good or reliable payer is pretty common - 13000 hits for reliable payer. You cannot really force the English phrase into the Czech structure

Charles Stanford
Czech Republic
Local time: 02:42
Works in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 16
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8 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +8
Payment performance / Payment history


Explanation:
Honestly, I worked in this field for several years (U.S. company), and we were mostly using the term "Payment performance" or "Payment history" of the customer... I guess "morálka" is only used in Czech...

--------------------------------------------------
Note added at 13 mins (2011-02-11 12:57:49 GMT)
--------------------------------------------------

For instance, D&B rating agency typically uses "Payment performance" - see here below an excerpt from its report:

"...The D&B Failure Score predicts the likelihood that a company will obtain legal relief from its creditors or cease operations with unpaid
obligations over the next 12 months. It is calculated on the basis of continuous monitoring of demographic, financial variables as well as
payment performance and negative information."

--------------------------------------------------
Note added at 15 mins (2011-02-11 13:00:27 GMT)
--------------------------------------------------

...an alternative term used by D&B is "Payment BEHAVIOUR"
another excerpt from D&B´s report:
"...History and Industry Comparison of the Payment Behaviour..."

However, "performance" is used much more frequently...

Radana_K
Czech Republic
Local time: 02:42
Specializes in field
Native speaker of: Czech
PRO pts in category: 4

Peer comments on this answer (and responses from the answerer)
agree  Charles Stanford: That'd work
3 mins
  -> Thanks!! :-)
agree  Tomas Janosik: I worked in Banking in UK and I will use "Payment history" as is always used on any Credit Report in UK.
6 mins
  -> Thanks!! :-)
agree  Scott Evan Andrews: sure...even " payment track record" is thrown in there sometimes...meaning the same
14 mins
  -> Thanks!! Exactly - I was going to suggest a "p. track record" as a third alternative option... however, "performance" or "history" being used more often...but you are perfectly right and thanks for the German-English KudoZ entry as well!!
agree  Radka Crossley
43 mins
  -> Thanks!! :-)
agree  Michal Zugec: Payment history (in US company I worked for)
49 mins
  -> Thanks!! :-)
agree  Maria Chmelarova
1 hr
  -> Thanks!! :-)
agree  Hana Rutova: "client with history" means "reliable person" for the bank
4 hrs
  -> Thanks!! :-)
agree  Yvetteb (X): good payment history
4 hrs
  -> Thanks!! :-)
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25 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +1
payment practices


Explanation:
Any reason we can't use payment practices? It's widely used in my experience. I also like payment history and similar terms.

Melissa Dedina
Local time: 02:42
Specializes in field
Native speaker of: English

Peer comments on this answer (and responses from the answerer)
agree  Igor Seykora: Opinion of the European Economic and Social Committee on the Proposal for a Regulation of the European Parliament and of the Council laying down the procedure for implementing Regulation (EC) No 883/2004 on the coordination of social security systems
4 days
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5 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5
credit history


Explanation:
I think that is what banks in the UK would use to talk about good payers. If you go over your overdraft limit or whatever then it damages your "credit history"

Charles Stanford
Czech Republic
Local time: 02:42
Works in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 16
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8 hrs   confidence: Answerer confidence 3/5Answerer confidence 3/5
payment record


Explanation:
Another term that could be used in this context.

Barry Appleby
United Kingdom
Local time: 01:42
Works in field
Native speaker of: English
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