Does the 22-year drip loan still explode the address book?

Want to ask about the 22-year overdue Didi loan and the explosion of the address book? In 22 years, Didi loans overdue will explode the address book. If the user is overdue, the collector will explode the address book. For borrowers whose overdue time is no more than 3 months, the collection staff of Didi Loan will call or SMS to remind them of repayment. For users who are overdue for a long time, Didi Loan will take the form of prosecution to recover the arrears. It will also explode the address book. Therefore, overdue loans will explode in the address book after 22 years.