1. If you are a debit card user of China Construction Bank and use Baihuilong Card as a debit card, your credit history may be affected.
2. There may be arrears. If the arrears reach a certain amount, the bank can take legal action to recover the arrears.
3. If you don't plan to continue using Baihuilong Card, you can choose to cancel the card to avoid extra arrears and expenses.
I suggest you save enough money in time to avoid arrears.