If you have any nsp installed and go online without 90dns or incognito, you're 100% getting banned. Otherwise you're safe (as safe as it can go).
If you want to reduce the risk as much as you can, you should have an emunand, where all the cfw stuff is and install on it both, 90dns and incognito, and then separately, have a clean sysnand without any modification, where you can even play online safely as long as you don't run cfw on it and just use legit bought games. (this is what I've been doing for years now).
If you don't have an emunand right now, it means your sysnand is already dirty, so you would need to restore a backup of before any cfw, or clean the nand with some tool or guide from these forums.