Well, your question is not easy to answer. First of all, it must be clear that bad records may not be generated after the deadline, because the data of the Credit Management Center of the People's Bank of China is not automatically obtained, but uploaded by the bank. Secondly, banks have their own screening criteria for uploading credit records, especially some large state-owned banks. Because they have a large amount of loans and cards, they generally don't upload information with overdue days within 30 days. Secondly, if you are overdue at CCB for 15 days, CCB's time service can still be extended for 5 days, which means that you are only overdue for 10 days. As for whether there are any bad records caused by this overdue, you should log on to the website of the Credit Management Center next month or next month (the time for banks to upload credit records is usually around 25th of each month, but some banks may upload them only once a quarter).