How long does it take for Bai Tiao to call his family if he owes money?

About 20 days overdue.

According to the query on the Wanka Xueshe website, in the overdue information, JD.com officials will contact the loan applicant himself. If he receives the call, he can repay the loan on time. If the loan applicant fails to repay the loan on time, Jingdong Management will contact the filled-in emergency contact number on the 18th day and call the emergency contact person for collection. If the loan is not repaid 20 days overdue, JD.com officials will call the phone number in the borrower's address book. Generally speaking, JD.com officials will call home when the i-tiao is overdue for about 20 days. Moreover, overdue reminder text messages will be sent to the borrower on the 1st, 3rd, 5th, 7th, 9th, 15th and 20th day after the IOU is overdue. The 3 days overdue are usually voice reminders and are not manually dialed. If you are afraid of being harassed, you cannot Work with peace of mind and you can choose to receive collection calls on your behalf.