Yes After the 360 is overdue, it will explode the address book, which will have a long-term impact on the user's address book and address book and will also be collected. Collection: The overdue repayment of Huabai may be uploaded to the credit information system. If the user fails to repay the money in time, the flower garden will be closed. Telephone collection: The longer the overdue period, the collection personnel can collect by telephone, SMS, door-to-door, etc. In case of default interest and collection: if the user overdraws for 2 months and fails to repay, the bank will call to remind the user to repay. If the repayment is not made, the bank will ask the lawyer to send a lawyer's letter to the user.