Usually no as it does not scale. They usually use several (third party) "debt collection" services which operate in a questionable way (I'd call it mafia-style)

Usually no as it does not scale. They usually use several (third party) "debt collection" services which operate in a questionable way (I'd call it mafia-style). Examples of what they would usually do: - Call you 100 times per day. - Call you family and your friends and your colleague daily (via contact data collected by their apps) - Threaten (but not actually do unless you owe them a lot) to sue you, in a way maximizing your stress. - Visit your family in person and "politely" ask if they know you are in debt. Google "花呗 催收" or "借呗 催收" then use Google Translate if you want to dig into this.