Why can t I borrow money on my 360 IOU?

The reason why 360 suddenly failed to lend out was that the user's latest comprehensive credit score did not meet the lending criteria of 360 IOUs. 360 IOUs will evaluate the borrower's comprehensive credit from time to time, which will lead to the situation that the borrower still had a credit line yesterday, and the borrower's credit line is suddenly gone today.

Common reasons why the composite credit score is not up to the mark are:

1) The borrower's identity information has expired. The information required for the loan is valid for the expiration date. For example, the ID card has an ID card expiration date.

After the expiration date of certain identification documents, the 360 IOU will indicate that the loan will not be approved. Borrowers will not be able to borrow money. Borrowers need to update their information before they can continue to apply for loans.

2) The borrower's credit score is reduced. If the borrower has recently had serious credit affecting behaviors such as loan overdue, credit card overdue, and arrears of public fees, it will lead to a significant decline in his comprehensive credit and fail to meet the credit standard of 360 IOUs. Naturally, I can't borrow money.

3) The borrower's degree of indebtedness is excessive. The 360 IOU also has requirements for the borrower's income and liabilities, because it is related to the borrower's ability to repay in the future. If the borrower's income drops, or if short-term liabilities rise significantly, the 360 IOU will consider the borrower to be difficult to repay the loan, and the borrower's overall credit score will drop accordingly.

Generally, there are the following reasons for this situation: 1. You may have credit problems with your personal credit information. 2. You have a large amount of borrowing on other platforms or banks, and the debt ratio is too high. 3. Your profile may not be eligible for borrowing on the platform!

You have to consult the official customer service about this, what is the specific situation?

Although online lending platforms have become very popular in the credit market, many people remain skeptical of these platforms. Some friends asked: Can 360 IOUs borrow money?

As a star platform, 360 IOUs have a lot of features. Here are some of these features for you.

1. Have a strong background

2. User word-of-mouth

360 IOUs have provided loan services to tens of thousands of users. According to the collected user opinions, it can be seen that the user satisfaction of 360 IOUs is still very high. Compared with many unknown small platforms, the loan contract of 360 IOU is legal and compliant.

There have also been no violent demands.

3. Application materials

When applying for a 360 IOU, you need to provide very little personal information, only a few information such as ID card, bank card, mobile phone number, etc. In addition, 360 IOUs mainly use machine review and approval. Therefore, everyone's personal privacy can be greatly protected.

From the above, it can be seen that 360 IOUs can borrow money, and the lending process is relatively safe. It is a reminder that when using 360 IOUs, you must not disclose your account information to others at will to avoid unnecessary losses.

What should I do if the 360 IOU is not available? This must be understood!

360 IOU review failed? Find out why!

A platform similar to 360 IOUs! The amount is large and regular!

360 IOU loan is reliable, the interest is not particularly high, the current 360 IOU is calculated on a daily basis, the general daily interest rate can be as low as about, if converted according to this, the average annual interest rate of 360 IOU is about 18%, compared with the current bank's credit card cash withdrawal daily interest rate, the credit card cash annual interest rate is about 18%, so it is very cost-effective.

1. The meaning of 360 IOUs.

Launched in September 2016, 360 IOU is a personal and small and micro credit platform under 360 Digital Technology (formerly 360 Finance), which evaluates customer credit based on 360 big data and provides instant consumer loans on this basis.

2. 360 IOUs take multiple measures in terms of security and risk prevention and control

1) Establish a user's credit profile, 360 IOUs establish a credit information system based on sufficient social network data, sort out the credit behavior portrait of each user, and grade the user's credit limit.

If you have capital turnover needs, it is recommended that you use Youqianhua, which is a credit service brand under Du Xiaoman Finance (original name: Youqianhua, renamed in June 2018"There is money to spend"The big brands are reliable, the interest rates are low and trustworthy. There is money to spend - full easy loan, the maximum amount of borrowing is 200,000, and the daily interest rate is as low as low.

2) Establish a social behavior model, 360 IOU establishes a credit score calculation system based on the user's social circle, and uses the user's network as a credit rating reference.

3) Establish a whitelist and blacklist system to open a green channel for users with high-quality credit, and on the other hand, provide blacklist user inquiries to prevent users from applying repeatedly, not personally, false information, etc., to prevent gang fraud.

4) Leading security technology: Relying on 360's leading cloud security system, 360 IOU's multiple technologies protect users' data security, privacy security and security.

5) Professional and high-quality team: 360 has a leading high-level security technology team in China and a risk control team from a large domestic financial institution.

360 IOU is based on 360 Credit, an independent third-party credit evaluation and management agency under 360, and objectively presents an individual's credit status through cloud computing, machine learning, 360 big data and other technologies. According to the comprehensive consideration of credit risk, payment habits, consumption situation, etc., users are granted different consumption limits.