Hello, the contract represents the legal obligation that must be fulfilled. Once the contract is signed, it means that both parties confirm and agree to undertake the contents stipulated in the contract. If the customer's repayment is overdue, the collection department will call or SMS to remind him, and even ask the customer to fulfill the repayment obligation through legal procedures. In addition, Gitzo Consumer Finance Co., Ltd. has been granted access to the personal credit information system of the People's Bank of China. Please contact Gitzo for details.