There are two main ways in which ceramic chip capacitors can fail in a surface mount assembly:
Both of these produce cracks in the capacitor, and may actually break the part.
The significance for reliability is that, whilst immediate detectable changes in both value and insulation resistance may be experienced in a percentage of parts, even these will often not be picked up by final testing. As a result, damaged components may be shipped in otherwise good assemblies. In the long term, cracks may lead either to parts that are open-circuit or, more likely, leaky or short-circuit. Depending on their position in the circuit, failures may be catastrophic, or perhaps just affect functionality under adverse conditions.
Apart from buying properly-made capacitors which are fit for the intended soldering method, the key precautions to minimise the risk of component failure are:
This second precaution means designing the assembly to minimise strain on the parts, supporting the assembly during processing to avoid board flexure, especially during placement, and choosing a suitable depanelling process.
Cracks are often not visible to the naked eye or at low-power magnification. Whilst high-power microscopes are usually successful in detecting surface cracks, hidden cracks can only be found with some difficulty by: