1. Yes, if you pay off the credit card in one lump sum, the bank may restrict your card.

2. Detailed description:

a) You have five overdue records in the past three years, which means that your repayment history is not good, and the bank may restrict your credit card to reduce the risk.

b) even if you have enough money to pay off your debts in one lump sum, the bank may consider your past repayment and take conservative measures to ensure that you will not be overdue again.

c) The bank may choose to temporarily freeze your credit card, ask you to re-verify your identity or submit other supporting documents, and then lift the restriction to ensure that you can afford the credit card repayment.

3. Summary:

To sum up, if you pay off the credit card in one lump sum, the bank may restrict your card to ensure your repayment ability and credit risk.

4.

Extended information:

The bank will judge whether to restrict the credit card according to the customer's repayment history and credit record. Overdue records will have a negative impact on the credit score and increase the credit risk of banks to customers. Therefore, even if the debts are paid off in one lump sum, banks may still impose certain restrictions on credit cards. In order to avoid this situation, it is suggested to keep a good repayment record and credit performance in the future, so as to improve the credit score and the convenience of credit card use.