Whenever you get a call from a loan collection agency, just say you don’t know the person. Our online loans are the most shameless in the world, including the collection process. If you encounter friends being asked about it, lend a hand and say you don’t know them. Make sure to block those collection calls to avoid trouble later. The profit margin for online loans is way too big. 99% of internet companies, including Huawei, are involved in online loans—it’s truly a disgrace to China’s tech industry. While others focus on advancing technology, all our apps and companies are just trying to trick you into taking out loans. Really hoping the government can step in and regulate loan interest rates—cap them at no more than 5% to reduce their profit margins. Standardize online loans and crack down hard on illegal collection practices and criminal activities in the loan industry.