Types of Mechanical Cracks in Components

Bending
Excessive PCB bending.
Bending gives tensile stress. Recommended to use soft termination.
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Nozzle
Excessive change in nozzle suction.
Incorrect (excessive) Z axis on pick and place or debris on PCB.
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Over Solder
Excessive or significant differential in solder amount between pads.
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Thermal
Excessive temperature gradient in solder profile, excessive or incorrect solder used.
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Temp Cycle
Difference in thermal expansion coefficient between chip and PCB.
Cyclic thermal stress, incorrect preheat settings.
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Over Voltage Stress
High voltage resulting in short circuit. Pulse withstanding resistors should be used as these are designed for over-voltage pulses.
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See also:
Thermal Shock in Wave Soldering
Cracks on Molded Powder Inductors
MLCC common failure issue (Flex Cracking)
Cracking issue on Vishay WSL series Resistors
Samsung Soft Termination MLCC
Lead-Free Solder Complications
Easily Remove Solder Joints: SMD Removal / Desoldering Solder - What is Removal Alloy?
Tin Whiskers in Pure Tin Surface
Nickel Advantages in Tin-Plated Terminals: Surface Contact, Soldering, & Tin Whisker Growth
How To Ready a Solder Pot for Lead-Free Solder