According to the data you provided (having sexual intercourse one day before ovulation), there is a possibility that you may be pregnant. The vaginal juices are not pleasant for the spermatozoids, but this is not so extreme in the days around ovulation. The spermatozoids themselves might survive in the vagina for up to 24 hours.
The symptoms you mentioned (tender breasts, bloating, mild cramps, heartburn) might be related to pregnancy. However, they are not considered to be positive signs of pregnancy and whether pregnancy is present or might be ruled out cannot be decided solely on these symptoms. You might want to visit a gynecologist where laboratory tests and an ultrasound scan might be done to check for pregnancy for sure.
If pregnancy is ruled out, you might want to take care about the frequent urination and the white discharge, which might be signs of an infection. The infection needs adequate treatment depending on the cause (bacteria or fungi) that would be determined by the gynecologist.
Please note that any treatment for possible infection should be strictly under supervision by a gynecologist especially if you are pregnant in order to prevent unwanted problems with the baby.
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