How do I know the address book to collect?

If it is an online loan, you authorize the other party to look at the telephone address book when lending, because there is no way to pass the audit without authorization. The other party can know your contact information after getting your mobile phone address book.

If it is an offline loan, the other party may find it through your household registration, address and work place.

First, telephone collection

At least within 90 days after the deadline, it is a telephone collection. There are several stages, respectively.

1. Within 2-3 days after the deadline.

There will be a lot of calls coming in, at least 2-3 calls a day, before noon 12, or before what time, forcing you to save, otherwise what will happen? Give you a sense of urgency in time, or you may say something like contacting relatives and friends.

2. About 3-5 days overdue

Some outlets began to burst the address book, with some insulting words. Some online loans began to explode the address book in about 3 days. The fastest thing I contacted was 360 Finance, which would pull out your friends in the address book, put down all the recent calls and call him an emergency contact (nonsense). If you borrow his phone number again, he won't admit that it's him (usually there is legal risk, so they won't admit it). Of course, some outlets will threaten to expose the address book aboveboard. I have been bombarded by SMS, and I received hundreds of SMS verification codes in a few tens of seconds.

Some online loan friends may think of calling the police. It's really useless in general. The police will not accept it unless there is substantial harm.

Now is the credit age, you can't borrow money, because a little money destroys your credit, you can't go out to buy things, and you can't even buy train tickets if you want to go out to play. This is very troublesome. Therefore, if you borrow money, you must return it. Don't always think about using the platform. This is extremely stupid. Since the platform dares to let you use the money, they naturally have other people's ways, so don't think about not paying it back. If you can't afford it, it's ok to repay it in installments or at the lowest level first. Anyway, don't damage your credit. Many people may not know much about their credit, and even don't know which platform they accidentally overdue. You can pull a credit report on the official account of WeChat, such as money and data, and comprehensively check your credit information, overdue, online loan index and blacklist. If in doubt, deal with it as soon as possible, so as not to affect your later life.