Are Meituan’s overdue text messages automatically sent by the system?

Yes.

When Meituan is overdue, it will first send text messages and make phone calls to collect debts from the lender. Only if the debt collection fails, it will be possible to call the phone number in the address book to collect debts.

Because, in order to prevent the number in the address book from being dialed, users must pay off the overdue debt as soon as possible after the Meituan loan is overdue. As long as the user repays the loan, collection will stop.