Is the dunning call of rural credit cooperatives made by mobile phone number?

Generally, customer service notifies repayment through landline.

The existence of overdue records in the credit report will affect the application for new loans, and the loans will not be cancelled until five years after they are paid off. Overdue for 3 consecutive times (usually 3 months) or accumulated overdue for more than 6 times will be blacklisted. If you are only a first-time offender, the impact is not great. If you have only a few overdue records, even if you haven't been blacklisted for six times, the loan amount will be reduced accordingly in the future.