1. Yes, slight overdue payment of 15 days is considered overdue.

2. Detailed explanation:

a. In credit card repayment, if it exceeds the final payment date, even if it is only delayed for 15 days, it will be considered overdue.

b. Minor overdue payments may not cause immediate serious consequences, but overdue records will be recorded in credit reports by banks and credit bureaus.

c. Overdue records have a negative impact on personal credit ratings, which may lead to an increase in borrowing interest rates and a reduction in credit limits.

3. Summary: A slight overdue payment of 15 days is considered overdue and will have a negative impact on personal credit.

4.

Extended information: Overdue repayment is generally divided into two types: slight overdue and serious overdue. Slight overdue usually refers to a delay in repayment of no more than 30 days, and serious overdue refers to a delay in repayment of more than 30 days. Whether it is slightly overdue or seriously overdue, it will have a negative impact on personal credit. Depending on the quality of an individual's credit history, banks and other financial institutions can decide whether to increase interest rates, reduce credit limits, or close accounts, among other measures. Therefore, when using a credit card, it is very important to repay the loan on time to avoid overdue payments.

5. Please note that the above answers are based on the credit card situation in China. Overdue rules may vary by bank and region, check with your specific card-issuing bank for details.