Stage 1: When the online loan is just overdue and the loan is about to expire, a text message will be sent to remind you that you need to repay as soon as possible, and remember the repayment time.
The second stage: if you haven't returned it, call for collection: every day, there will be several or dozens to urge you to return it as soon as possible.
The third stage: if you don't return it, start to explode the address book.
The fourth stage: if they are unwilling or unable to repay the loan three months overdue, they will entrust a third party to collect it.