If you do not repay a credit card with a balance of 500 yuan for 15 years, it may lead to the following consequences:

1. Damage to your credit record: Failure to repay for a long time will damage your personal credit record. severely affected. This will negatively impact future applications for loans, credit cards or other financial services.

2. Collection actions: Banks or entrusted collection agencies may take legal measures to recover overdue amounts, such as frequent collections through phone calls, letters, etc. They may also take further legal action, such as prosecuting or seizing the property.

3. Legal disputes: The bank has the right to sue the debtor in court and recover the debt through judicial procedures. If the court rules in favor of the debtor, the debtor may be required to pay more penalties and interest.

Summary:

Failure to repay credit card debt will have a serious impact on your personal credit record, and you may face collection actions and legal disputes. It is recommended to contact the bank promptly and formulate a repayment plan to avoid further negative consequences.

Extended information:

Credit card is a common payment tool, but debt arrears will not have a negative impact on personal credit. According to China's personal credit reporting system, debt records and overdue repayments will be recorded in personal credit reports, affecting future credit evaluations. In addition, under Chinese law, banks have the right to pursue overdue debts through legal procedures and may require debtors to pay additional penalties and interest.

Additional information: