If the user fails to pay it back within the time limit, or intentionally loses contact so that the platform can't find it, then the collection will naturally call other contacts, and you can also know some borrower information or the phone numbers of common contacts in the address book. Other users have not closed the authorization after using the app application, which will also have an impact. If it is an offline application, some organizations will directly back up the address book list in the user's mobile phone.

Collection is a civil act to remedy bad debts of enterprises or personal debts. The parties to the collection are the creditor and the debtor. If the debtor is unable or unwilling to repay the debt, the collector will exert pressure on him through some civil means to urge him to fulfill his debt. The collection of explosive address book is generally in the form of group SMS to collect the borrower's telephone contacts, with the purpose of spreading the unpaid information to the borrower's contacts and forcing the borrower to repay.