Overdue credit card repayments will have an impact on your personal credit score. However, if you have paid off all the debt after two overdue payments, it will not affect your personal credit score in the long term.

First, late payments will be recorded on an individual’s credit report. Credit reports are an important basis for financial institutions and lending institutions to evaluate personal credit status. Late repayments will be considered a bad credit record and will have a negative impact on your personal credit score.

Secondly, the more late payments you make, the greater the negative impact on your credit score. Paying off the debt after two overdue periods will solve the debt problem, but it may have a certain impact on your credit score due to past overdue records.

However, this impact is short-term and can be gradually recovered through subsequent good credit performance. If after repayment, the individual is able to repay other loans and credit card bills on time and maintain good credit behavior, the negative impact of late repayments will gradually decrease.

To sum up, paying off all debts after two overdue periods will have a certain impact on personal credit, but this impact is temporary and can be gradually restored through subsequent good credit performance.

Extended information: The personal credit reporting system is managed and evaluated by credit reporting agencies. The main credit reporting agencies include the Credit Reporting Center of the People's Bank of China, the Credit Reporting Center of the China Banking Credit Association, etc. These credit bureaus will comprehensively score and form a personal credit report based on personal credit information, such as repayment records, loan status, credit card usage, etc. As an important reference for banks and other financial institutions to approve loan and credit card applications, personal credit reports have an important impact on an individual's credit status. Therefore, maintaining a good credit history is important for personal financial management and meeting important credit needs.