What should I do if micro-loan fails to retrieve WeChat information?

Micro-loans will not send messages to WeChat friends when they are overdue. Although micro-loan introduces traffic through Tencent platform, it is not a loan product of Tencent, and it is impossible to collect users' WeChat friends.

After the overdue period, the micro-loan will report the overdue record to the credit information system, and it will be difficult to borrow from the credit institutions that check the credit information in the future, and this overdue record will exist in the credit information report for five years.