Why are there phone calls and text messages after the online loan application is postponed?

Because after the online loan is overdue, the relevant institutions or platforms will notify the overdue person to repay the loan by SMS or telephone.

If the overdue personnel can't contact or make repeated calls and still don't repay, the relevant institutions or platforms will notify their emergency contacts by SMS or telephone to urge them to repay in time. Because friends can receive text messages, he left his friend's phone number in the emergency contact when applying for online loans, and if this person fails to repay after many times of collection, his friends may receive such text messages.