Jia called an emergency contact number a few days late.

A week or two. Generally, the borrower will be contacted within three days after the repayment is overdue. At the beginning, the platform will send a text message and call the borrower for dunning. However, if the borrower is not contacted for a week or two, and there is no response to the collection, an emergency contact person may be called to ask about the borrower.

：

First, many people apply for small loans, and the platform is not formal. It is possible to obtain the borrower's address book information. After the deadline, they may not only call borrowers and emergency contacts, but also call relatives and friends in the borrower's address book. Before applying for online loans, customers should first check whether the platform holds a financial license and whether it has been approved by the CBRC. Don't borrow money from unknown small loan companies. After borrowing money, it is best to form a good habit of repaying on time to avoid overdue.

If it is overdue, we should also find ways to pay off the arrears as soon as possible, especially after receiving SMS and phone calls from the platform, so as to minimize the adverse effects caused by overdue. Of course, if you think that the interest fee charged by the platform is too high, you can check whether it exceeds the provisions of the people's court (the maximum interest rate of online loans should not exceed 4 times of the floating interest rate LPR). For non-compliant fees, customers can choose not to refund, or they can collect evidence to report the platform.

Second, what should I do if it is overdue?

1. Credit investigation time: If it is overdue, credit investigation will not be conducted immediately. Different banks and financial institutions report credit reports to the central bank at different times. At this time, you should contact the bank or financial institution immediately to inquire about the time of the final credit report and repay it in full immediately. Then contact customer service again to explain that it is not a malicious breach of contract and has paid off the money again;

2. Time tolerance and tolerance service: Tolerance service and time tolerance service are adopted by most banks. The specific implementation is subject to each bank, especially the posting time on the last day will be different;

3. Objection handling of credit report: If there are justified reasons and evidence to prove that the overdue period is indeed a misjudgment, you can apply to the credit information center for an objection, and the central bank will make a judgment;

4. Covering bad records: if the credit report is overdue and the objection application fails, it can only be eliminated within 5 years. Do not cancel the card during this period. If the card is cancelled, the bad record will follow for a long time;

5. nip in the bud: nip in the bud is always the best, and the best way is not to overdue.