360 doesn t have a quota for any reason, 360 IOU applies for a quota but doesn t use it, it s okay

360 IOUs.

There will be no credit line due to serious bad credit, low repayment ability, too few online records or age restrictions.

Users with too few online records can pay and spend more online, use more 360 Group products, and try to reapply for the quota after 2 to 3 months.

Extended information: When the 360 IOU borrowing is seriously bad, you need to check the personal credit report.

If the credit report.

If the overdue amount of credit cards and loans is too high, the number of overdue times is too high, and the comprehensive credit is not up to standard, the 360 IOU will definitely not give any amount.

The repayment ability is too low, 360 IOU pays attention to the borrower's repayment ability, and has strict requirements for the borrower's income and debt, if the borrower's income is too low and the debt is too high, then there will be no credit line.

There are too few online records, 360 IOUs evaluate the credit line based on the user's credit data and behavior data, if the personal online payment and consumption records are too small, the system cannot comprehensively evaluate the user's situation, and the credit line will not be given.

360 IOUs only provide borrowing services to non-student users aged 18-55, so users under the age of 18 and over 55 will be rejected directly after submitting their identity information, and no credit line will be granted.

360 IOUs rely on 360 Group's advanced Internet security technology and big data technology.

Based on massive user credit data and behavior data, we are committed to improving the domestic personal credit system, improving the efficiency of financial services, reducing costs, and providing safe, stable and convenient financial services for all groups in society with financing needs.

360 IOU is based on 360 Credit, an independent third-party credit rating and management agency under 360, through cloud computing and machine learning.

360 big data and other technologies objectively present an individual's credit status. According to credit risk.

Based on comprehensive consideration of payment habits and consumption situations, users are granted different consumption limits.

The application limit of 360 IOU is granted according to the user's accumulated consumption, repayment and other behaviors on the platform, and the user's various behaviors on the platform are dynamic and changing, and the corresponding amount is also dynamic.

No, it's okay. 360 IOUs.

The credit limit for the brigade is the credit limit, which is given after the initial system evaluates the user's credit qualifications. The line of credit is not equal to the final loan amount, so only get. The user has not yet submitted a loan application, so there will be no impact on personal credit and personal debt.

Of course, users don't need to brush money, so it's not recommended to get a credit limit for 360 IOUs often, because getting a credit line requires authorization to check credit.

Bank card, complete real-name authentication.

The system will assess the credit based on the user's current credit status and delete the funds after the credit limit is given. If users just want to apply for a credit and see how much they have, they don't plan to erase it, and they don't have to worry too much.

Extended Materials. 360 IOUs will charge a pre-loan fee for any reason at the initial stage of the loan, so only the application amount will not incur any fees. The corresponding fee will only be charged after the loan is successful.

Interest will be charged on normal loans, and penalty interest will be charged for overdue. Not using 360 IOUs after applying still has an impact. The first is the impact of credit reporting.

When a 360 IOU needs to be authorized to be credited when applying for a quota, a query record of loan approval will be left. The more times in a short period of time, the greater the credit investigation; The second is the impact on the quota. The 360-bit note limit will be adjusted through occasional evaluations.

If there is no limit for a long time, it will be considered that there is no need for a limit, and then it may be released to those who really need to bear the funds.

360 IOU: A 360 IOU is 360 Finance.

Under its consumer credit brand, 360 IOUs adopt a daily interest calculation method, with the lowest interest, and the loan amount of 360 IOUs is generally 500-200,000 yuan, and the loan use time is 3-12 months. Having money to spend is Du Xiaoman Finance.

Former Finance. Its credit service brand can borrow up to 200,000 yuan by clicking on the measurement. There are no pre-loan fees for money to spend, and the interest fee is transparent.

It may be due to the temporary non-compliance with the borrowing requirements, the borrowing amount is too high, and the loan amount is limited.

1. Temporarily do not meet the loan requirements: 360 IOUs are dynamically evaluated, and they need to be re-examined before each loan. If you have a recent bad credit history, resulting in a drop in your overall score, you will not be able to borrow successfully. In addition, the stricter risk control will also cause the applicant to temporarily fail to meet the loan requirements;

2. The loan amount is too high: Although the 360 IOU may give a credit line of tens of thousands, it is still difficult to lend all of them at one time. The loan amount is best about half of the credit line, and the success rate will be relatively high;

3. There is a limit on the amount of loans: 360 has a limit on daily loans, and you need to grab the amount as soon as possible. If you apply for a loan late on the same day, it is very likely that the platform has used up the loan quota on that day. It is recommended to borrow early, and try to apply in the morning of a working day;

4. The borrowing limit is too low: the borrowing limit of 360 IOU requires 500 yuan or more to apply for a loan, and the borrowing amount is less than 500 yuan, and the borrowing service will be stopped.

In summary, the main reasons for 360 IOUs to have a limit but cannot borrow are that they do not meet the borrowing requirements temporarily, the borrowing amount is too high, the loan amount is limited, and the borrowing amount is too low. Maintain good personal credit behavior, reduce the borrowing amount, apply for borrowing early is conducive to successful borrowing, in addition, the borrowing limit is < 500, and the borrowing service will be terminated if the borrowing limit is 360.

If the limit of the 360 IOU is suddenly gone, it is likely to be caused by the following reasons:

1.When the customer repaid the previous loan, he failed to repay the loan on time within the agreed repayment period, and there was an overdue situation, resulting in personal credit damage, and the system froze the limit.

2.Due to frequent changes of equipment to log in, frequent modification of account information and other behaviors or the expiration of authentication identity information, the risk of the account has increased considerably, so the system has implemented risk control.

3.The platform system is in the process of operation optimization and upgrading, so the borrowing channel is temporarily closed.

It may be that the comprehensive scoring is done regularly, and your scoring qualifications are no longer good.

Why is the IOU amount missing at 60? That's not needed, not needed.

It is decided based on the user's credit evaluation.

If the 360 IOU has a limit, it must ensure the next payment, because this credit line is a value of the 360 IOU based on the comprehensive evaluation of the borrower's information. As for whether the final payment can be successful, it still depends on whether the applicant meets the requirements of the next paragraph, and the reason why the 360 IOU cannot be borrowed.

1.Doesn't meet the loan requirements: Although most people can successfully obtain a line of credit after applying for a 360 IOU. However, in fact, the credit line changes in real time, and if the applicant does not meet the loan requirements, then even if there is a credit line, it will not be paid.

2.There is a limit on the amount of loans: Nowadays, most of the loan business is tightened, and the daily loan amount cannot be unlimited, if there are many applicants applying for 360 IOUs at the same time, the system will generally only complete the loan to the most qualified users, and the average qualified users will basically not be able to borrow in the 360 IOU.

3.The loan limit is too large: Some users apply for as much as the credit line is, so the failure of the next payment is mainly due to the large amount of the application.

Under normal circumstances, the amount of the next payment should be less than half of the credit line, so that it is more safe. After all, the 360 IOU applied for is a personal credit small loan, and the applicant can apply for a limit of tens of thousands at every turn, and the applicant only fills in some basic information, in this case, the risk control system will not pass, let alone borrow in the 360 IOU.