Suning's willful loan overdue collection called and said that it should be handled according to the process.

Look at the address book collection The so-called "according to the process" of general online loans is to start reading the address book and contact relatives and friends around to collect it. When borrowers apply for online loans, most online lending platform apps will read the applicant's call records and address book list by default, and these private information will become the biggest weapon for collectors in the future. It will have an impact on the use of lenders. Generally, the longer the overdue time, the more obvious the impact. Mainly reflected in the impact of overdue related fees and personal credit information: (1) After overdue, the platform will charge overdue related fees on a daily basis according to relevant regulations; (2) Leave overdue records on the personal credit report, which further affects the personal credit record and the later loan application.