1. The prevalence of online loans has led many individuals to turn to consumer loans when faced with financial pressures. However, this can also result in late payments and collection calls.2. Users who utilize Alipay's借唄 service and fail to make timely repayments may receive collection calls with the prefix 166.3. Ignoring these collection calls can impact one's credit record and may pose obstacles when applying for mortgages or car loans in the future.4. Collection calls starting with the number 166 are the official collection calls from Alipay's借唄, and users should answer them and address the matter at hand.5. If users consistently avoid answering collection calls for an extended period, the lending institution may take stricter collection measures or report the late payments to credit reporting agencies.6. Common area codes for Alipay collection calls also include 0755 (Guangdong, Shenzhen) and 0571 (Zhejiang, Hangzhou).7. In response to collection calls, users should promptly resolve any outstanding payments. If a resolution is not immediately possible, they should proactively contact the lender to discuss repayment options.8. To avoid late repayments, users should exercise prudent consumption when applying for loans and avoid excessive debt.9. The appropriate course of action when receiving a collection call is to answer the phone and work with the collection agent to establish a repayment plan, thereby avoiding further collection harassment and damage to one's credit.