Is the negotiation of wisdom and trust of ants useful?

Useless According to the person who inquired about Ant Zhixin in official website, it is useless to negotiate when Ant Zhixin is unable to repay the loan, and the staff will contact the third party or immediate family members for collection. Ant Zhixin is a wholly-owned subsidiary of Ant Group. Mainly engaged in artificial intelligence, network information technology and other high-tech fields.