Online loan platform companies like Gitzo will blow up your phone records as long as you are seriously overdue. Generally speaking, your phone records will only be blown up if you have been in loans overdue for more than three months, so you must repay them on time. After loans overdue, not only will this collection bother you, but the Gitzo platform will also affect your credit. There will be penalty interest and liquidated damages after loans overdue, so you need to repay on time.