Is Meituan s 360 IOU credible?

The 360 IOU can be said to be true, but I still have to tell you about my own experience.

I've seen ads for 360 IOUs in quite a few places, saying 10,000 interest-free. If you see more, I'll try it. As a result, all kinds of people who let the circle of friends share red envelopes go through the pyramid marketing model, and the 10,000 interest-free special is only free on the first day, that is, a maximum of 5 yuan.

I advise you to give up.

I don't deny that you say that 360 is a big platform, but relying on this kind of inducement and deceptive marketing to squeeze into the market is no different from a small company.

360 IOU is an unsecured consumer credit platform launched by 360 Finance, launched in September 2016, based on 360 big data to evaluate customer credit as a whole, and on this basis, to provide instant consumer loans, according to credit risk, payment habits, consumption and other comprehensive considerations, grant users different loan amounts, borrowing amount of 500-200,000 yuan.

This answer is provided by Youqian Hua, I hope it will be helpful to you. Like Alibaba's borrowing and Tencent's micro loan, Youqian Hua is a credit service brand of Du Xiaoman Finance (formerly Finance), which belongs to a large company and a big brand, is formal and safe, and not only has a very low interest rate but is also very reliable. Relying on the advantages of technology and scenarios, Youqianhua has used artificial intelligence and big data risk control technology to lend more than 400 billion yuan, providing convenient, fast and reassuring Internet credit services for countless users.

Click below on the mobile phone to measure the amount immediately, and the maximum amount you can borrow is 200,000.

There is only 10 minutes for chargebacks. You can't find a place to find it. The money is quickly transferred to your bank card.

You are given 12 installments. No early repayment. You have to repay the interest for one year even if you use it for one day.

It's too pit. Or credit cards are more reliable.

360 does not allow borrowing money because it cannot be borrowed because it fails to pass the comprehensive assessment. There may be the following reasons for failing the comprehensive evaluation: for example, the user's credit report is poor, and there are a large number of overdue records in the credit record; The user does not have a stable job and income, and the system believes that the user has no ability to repay the principal and interest; Fill in the loan information incorrectly, such as bank card, mobile phone number, etc.

The comprehensive evaluation of 360 IOUs is mainly a comprehensive evaluation conducted by the 360 system according to the borrower's credit information, electronic payment usage, and income. After the evaluation, it was determined that the user's assessment result did not match the loan applied for, so the 360 IOU was temporarily unavailable.

Meituan can't borrow money because: personal credit status problem: Meituan is connected to the credit information system, if there is a bad record on the personal credit report, it will lead to the failure of the loan.

High personal debt ratio: Before Meituan applies for a loan, if the user has a large amount of debt on other platforms, the Meituan platform will reject the user's loan application due to risk considerations.

Further information: The reasons why Hemeituan is unable to borrow money are as follows: Personal information is missing:

To apply for a loan in Meituan, you need to fill in your personal information as completely as possible, and Meituan needs to strictly review the information submitted by the user, and the loan will only be released after the review is passed. The 360 debit note cannot be borrowed because the comprehensive assessment is not passed. There may be the following reasons for the failure of the comprehensive evaluation:

If the user's credit is bad, there are a large number of overdue records in the credit record; The user does not have a stable job and income, and the system believes that the user has no ability to repay the principal and interest; Fill in the loan information incorrectly, such as bank card, mobile phone number, etc.

The comprehensive evaluation of IOUs is mainly a comprehensive evaluation conducted by the 360 system according to the borrower's credit information, the use of electronic payment, and the income. After the evaluation, it was determined that the user's assessment result did not match the loan applied for, so the 360 IOU was temporarily unavailable.

3. The reason why Meituan can't borrow money after all the loans have been paid off: the user's credit has changed. Because when the user re-applies, the platform will review it again.

After all, an individual's comprehensive credit profile is not fixed and may change. If it is found that the user's repayment ability has decreased during the review process, or there has been overdue dishonesty in the near future, it is natural that the user cannot borrow again. The loan amount of the matching fund is temporarily insufficient, and the user cannot obtain the amount and needs to wait.

After repayment, the amount is not recorded in time, indicating that it has not been paid off. Under normal circumstances, the money borrowed by Meituan will be **. As long as the repayment is successful, the amount will be restored in real time, and the user can make the next loan.

However, if the current composite score mentioned above is insufficient, you will not be able to apply for loan services for the time being. For general users, you need to try it after 3 months.

Summary. Hello, dear, I am a consultant who understands finance in the early morning, and has consulted more than 10,000+ people, specializing in financial management insurance, anti-fraud analysis, car insurance claims, housing loans and other consulting services! I'm here to answer your questions, and I'm ...... answeringPlease wait patiently for a few minutes!

Hello, dear, I am a consultant who understands finance in the early morning, and has consulted more than 10,000+ people in total, and is good at financial management insurance, anti-fraud car bureau analysis, car insurance claims, bucket housing loans and other consulting services! I'm here to answer your questions, and I'm ...... answeringClosure let....Please wait patiently for a few minutes!

Hello dear, glad you asked!

In the case of system maintenance, we only need to wait patiently, under normal circumstances, the system maintenance will not exceed 24 hours.

Is Meituan borrowing money always maintained?

If the system is maintained, our transfers and withdrawals may be affected.

It is not maintained all the time, and if it is maintained, it generally does not exceed 24 hours.

It seems like months forward are all maintenance.

If it has been under maintenance, it means that the platform has been suspended.

This is not Meituan's lending platform, but a third-party service provider.

That is, you can't borrow money.

That's right, that's the issue of the platform.

Then you can apply for other online loans.

For example, Du Xiaoman Finance.

Good. Can you give a thumbs up here?