Yes, credit card overdue for 15 days will affect your credit report.

Details:

1. Overdue credit cards will cause damage to your credit record. Overdue credit cards are considered bad credit behavior and will leave a record on your personal credit report.

2. Credit reporting agencies will collect and compile statistics on personal credit information, including overdue information, and incorporate it into the credit evaluation system. Overdue debt indicates that an individual cannot repay debts on time, lowering credit levels.

3. The credit scoring model will consider factors such as the severity, frequency and duration of overdue payments, and conduct a comprehensive assessment combined with other credit information. The longer it is past due, the greater the impact on your credit score is likely to be.

4. Credit score has an important impact on the judgment of personal credit status, and is directly related to an individual’s credit ability in terms of loans, renting, purchasing insurance, etc.

5. Properly managing credit card accounts and paying off debts on time can help establish a good credit record and improve your credit score.

Summary:

A credit card that is overdue for 15 days will have a negative impact on your personal credit report. Overdue payments will be recorded on the credit report, lowering the individual's credit score and thus affecting the individual's ability to be creditworthy in financial transactions.

Extended information:

Overdue credit cards not only have an impact on an individual's credit report, but may also lead to additional charges such as interest, late fees, and fines. The longer you are overdue, the more additional charges you will accrue. Therefore, it is recommended to make timely repayments to avoid overdue payments.