Why doesn't Heng Xiaohua accept it?

Collection strategy, user repayment, etc.

1. Collection strategy: Heng Xiaohua adopted different collection strategies, such as collecting by SMS, email, etc., instead of calling directly.

2. User repayment: If the user repays on time or keeps good communication with Hengxiaohua, the collection will not be triggered. Heng Xiaohua pays more attention to users who are in arrears or have abnormal situations.