According to official website information of China Construction Bank, if you choose to use CCB's "know you" loan line for repayment, it will usually not affect the loan line. Repayment does not mean that you have given up the loan, and the loan amount will not change.
If the borrower defaults on repayment beyond the stipulated repayment period, it will affect his credit record and credit rating, and may affect his future loan application. Therefore, it is suggested that he should abide by the repayment regulations when using the "Huizhiyou" loan to avoid default in repayment. If necessary, he can consult the account manager or the relevant staff of his bank to ensure the smooth repayment of the loan.