Is it true to borrow money to send and receive postal letters?

Excuse me, is it true to send and receive postal letters? If I am in loans overdue, I will call the overdue person first, and send an email after a period of time without repayment or negotiation. Borrowing is a personal consumption loan service launched by Alipay. According to the purpose of each account, the approved loan amount and interest rate are different. The maximum loan amount is 300,000 yuan, and the daily interest rate range is 0.0 15%-0.06%, which supports prepayment and daily interest.