No, only after you are overdue, will you frantically harass your emergency contacts and your address book friends.

You should call the contact person you fill in when you take a loan, and they need to check whether you are such a person. However, in general, you can tell the customer service, and don't call the contact person or call the mobile phone during the audit. If you are not overdue, the staff will not call the contact person you fill in, but if you are overdue, it will probably harass the contact person you gave and the friends in your mobile phone address book, which will affect your life.