If an overdue credit card is worth 500 yuan at a time and is paid off in full within fifteen days, the personal consequences will not be too serious. Specifically:

1. Credit record: Overdue repayment will have a certain impact on your credit record, but if you are only 500 yuan overdue once and pay it off in time, the damage to your credit record will be relatively small.

2. Credit evaluation: When banks conduct credit evaluation, they will consider a variety of factors, including credit history, income status, etc. Being overdue for $500 at a time and paying it off in a timely manner usually does not have a significant impact on your credit assessment.

3. Interest and late fees: Overdue repayment may incur interest and late fees, but since it is a one-time overdue payment and is paid off quickly, the amount of interest and late fees is relatively low.

To sum up, if you are overdue by 500 yuan once and pay it off in full within fifteen days, the personal consequences will be relatively light. However, it is recommended that you still try to avoid late repayments in order to maintain a good credit record.

Extended information:

Overdue credit card repayments will have a negative impact on personal credit history. Banks will report overdue records to credit bureaus, which may result in being rejected the next time you apply for a loan or credit card, or receiving poorer loan terms. Therefore, paying off overdue amounts in a timely manner is an important part of maintaining your personal credit record.

In addition to credit history, late payments may result in high interest and late fees. Banks usually charge overdue interest in accordance with the contract and calculate corresponding late fees based on the number of overdue days. These fees increase repayment pressure and may add up to more charges in future bills.

In addition, banks may also take other measures, such as limiting credit limits, reducing credit limits, suspending the issuance of new credit cards, etc. However, these measures may not take effect immediately when the overdue amount is small. .