Will the online loan be photographed after it is overdue? Is it particularly embarrassing to send a group address book?

No, overdue online loans generally do not lead to photos, but there are also cases where individual illegal lending platforms threaten users to explode photos. Mass mailing of address books is not common, and borrowers and their emergency contacts are usually contacted by phone, SMS or social media. However, overdue itself has embarrassed and troubled borrowers, and may affect credit records and future loan opportunities. It is suggested that overdue borrowers actively communicate with lending institutions to seek reasonable solutions and avoid further legal risks.

Extended materials: In China, according to the relevant laws and regulations on the protection of personal information, photos or address book information of others may not be disclosed at will without authorization. Overdue repayment is a civil dispute and should be resolved through legal channels according to law. Relevant laws include the General Principles of the Civil Law of People's Republic of China (PRC) and the Law of People's Republic of China (PRC) on the Protection of Consumer Rights and Interests. In case of malicious acts, borrowers can complain to relevant departments to safeguard their legitimate rights and interests.