Is the platinum silver loan in the 360 IOU reliable?

If it is unreliable, it is recommended that you use a formal lending platform for loans, so as to protect your rights and interests and avoid routine loans and other means. You can use Alipay's Huabei to borrow. Or apply for a credit card directly from the bank, and then repay it in installments, and the interest is relatively lower than that of the platform.

Extended information: Although the emergence of online loans has facilitated the problem of citizens' funds, do you know? In fact, there are many hidden tricks in online loans, and if you don't pay attention to them, then it is easy to fall into the "trap".

Now we need to understand what are the routines when we take out a loan, if you don't know, then let's learn about it together.

1. Insurance premiums.

I believe that many people have applied for online loans, and some lending institutions will prompt you to pay insurance premiums on your loan page, although the amount is not high, but if you don't buy it, you can't apply for it successfully. There are also some illegal online loans, which will charge high handling fees in the name of insurance premiums, which is a disguised cut interest, so you must pay attention to it.

2. Word games.

The installment interest rate claimed by many online loans is not equal to the actual interest rate, assuming that the loan amount is 10,000 yuan, which is repaid in 12 installments and equal interest, and the monthly installment rate is 10,000 yuan, and the nominal annual interest rate is 10,000 yuan per month, regardless of other factors. However, the borrower does not owe the platform 10,000 yuan all the time during the repayment process, and only owes 10,000 yuan in the last month, but the platform still charges 10,000 yuan in interest. Based on this calculation, the actual annualized interest rate to be paid by the borrower is.

3. False advertising.

I believe you have seen it in outdoor telephone poles or elevators, claiming "interest-free loans, unconditional payments, ID card loans", etc., are marketing under the gimmick of interest-free or low-interest, and when users borrow money on the platform, they will find that the platform will want the borrower to charge high handling fees, management fees, etc., and the comprehensive interest rate may be close to 36%.

Through the above introduction, I believe everyone knows the common ** in the online loan industry. If you encounter a similar situation, you must refuse the loan, otherwise it is easy to get into trouble, in short, you must be cautious. Friends who want to take out a loan must find a formal loan platform, so that there is a security guarantee.

360 IOUs.

The 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.

In the right way, compared with the current daily interest rate of credit card cash withdrawals, the annual interest rate of credit card cash withdrawals is about 18%, which 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 user credit portraits, and establish a credit reporting system based on sufficient social network data.

The credit behavior portrait of each user will be sorted out, and the user's credit limit will be graded.

If you have capital turnover needs, it is recommended that you use money to spend, and money to spend is Du Xiaoman Finance.

Its credit service brand (formerly known as Youqian Hua, 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.

The blacklist system opens a green channel for high-quality credit users, and on the other hand, provides blacklist user inquiries to prevent users from applying repeatedly, applying for information other than themselves, false information, etc., and preventing gang fraud.

4) Leading security technology, relying on 360's leading cloud security system, 360 IOU multiple technologies to protect users' data security.

Privacy is safe and secure.

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

Team. 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 the comprehensive consideration of credit risk, payment habits, consumption situation, etc., users are granted different consumption limits.

Don't go to 360, a garbage platform, the annual interest rate scares you to death, and the annual interest rate for early repayment can receive you 36%! And the customer service wants to give you a loan every three or five times, saying that you can handle the amount of interest reduction if you lend out all the amount, and you lend out the amount in advance, but the amount of interest reduction is not passed, and the interest is paid in vain. One of the most disgusting platforms!

Summary. In "Personal Center", "Security Center", "Settings", "Bank Card Binding".

Is the platinum silver loan in 360 reliable? I also filled in all the information on the platinum silver loan on the 360 IOU, but it needs to be the platinum silver loan app, I**, and I don't know that I know that in the **cavity is to look at the loan, I want to cancel all the information records, can I withdraw there, and how to see if it has a loan?

Didn't you figure it out?

There's still a lot I don't understand.

You don't have a point to withdraw immediately.

Then there was no loan.

If I don't withdraw money, do I need to pay it back?

I didn't withdraw any money...

As long as you don't receive money from the card, you don't borrow money from them.

So how do I do the logout and personal information?

In "Personal Center", "Security Center", "Settings", "Bank Card Binding".

You look it up.

I only have a personal homepage, and I don't see anything else.

I see that there is a "My Wallet".

Is there a tie card in it?