I haven t overdue 360 and suddenly can t borrow

1. Income is not good.

As the most important information for applying for loans, income is the key to ensuring the ability to repay, so online loans will judge whether to give the amount according to the borrower's income.

2. Poor credit.

Some users always think that credit has nothing to do with it, and the occasional one or two overdue times have little impact, in fact, overdue can reflect two aspects of the problem, one is poor financial condition, and the capital turnover will not be overdue. The other is that the integrity is not good, there is no awareness of repayment on time, and the habit is overdue.

3. Liabilities. Even if it is not overdue, but the current debt ratio is too high, it will also lead to the failure of the online loan, because a person's income is limited, and if he is still burdened with debts in addition to normal expenses, then there is not much money available for repayment, so institutions are generally reluctant to give borrowers with high debt ratios too high a limit.

360 IOUs.

The 360 IOU comprehensive assessment is mainly a comprehensive assessment conducted by the 360 system according to the borrower's credit situation, electronic payment usage and income, etc., and after the evaluation, it is determined that the user's assessment results do not meet the loan applied, so the 360 IOU cannot be used temporarily. In the case that 360 IOUs cannot be borrowed, it is necessary to improve personal credit and reduce personal debt ratio.

Whether it is affected or not, maintaining a good personal credit is the most important thing.

In addition, there may be the following reasons:

1. The impact of borrowing on other platforms: 360 IOUs are not only affected by the borrowing of their own platforms, but also the system will question your repayment ability if you borrow between multiple platforms;

The loan limit of IOUs is reduced or saturated, and there is no loan limit for users for the time being.

3. Software system failure can also disturb and cause users to be unable to borrow the quota, and they can try again after a while.

4. If the borrowing amount is too high, it will also affect the borrowing and cause the borrowing to be unable to be borrowed, so it is recommended to control the borrowing amount within the credit line.

about half;

5. Risk control. Stricter: The loan review has become stricter, and the user's personal credit no longer meets the loan conditions.

In summary, the 360 IOU knows that Li Sheng cannot borrow again after the loan is successful, which may be due to reasons such as failure to repay on time, the impact of borrowing from other platforms, the loan amount being too high or the risk control becoming stricter, etc., it is recommended to maintain a good financial transaction record and try to apply again in about 2-3 months.

Expanding further, 360 IOU is a personal and small and micro credit platform under 360 DigiTech, which was launched in September 2016. 360 IOUs evaluate customer credit based on 360 big data, and provide instant consumer loans on this basis. 360 IOUs are delivered 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.

1. Borrow money to repay.

When the 360 IOU is unable to be repaid, you can borrow money to repay the loan, you can first find relatives and friends to borrow money to solve the current repayment problem, do not fail to pay it back, or even the credit is affected, and then repay to relatives and friends when the funds are sufficient.

2. Negotiate repayment.

In the event that the 360 IOU is unable to repay, the borrower should apply to the 360 IOU for negotiated repayment, and explain the reason for the negotiated repayment, which can apply for repayment of interest first and then principal, or reduce the monthly repayment amount.

In the case of 360 IOU insolvency, the borrower should explain the situation to the 360 IOU in a timely manner, and do not feel that the 360 IOU is unable to repay and will not be repaid, then the consequences are very serious, which will not only affect personal credit, but also seriously affect the borrower's life.

It is understood that the lowest daily interest rate of 360 IOU is about the same as the interest rate of micro loan and ant loan. However, the minimum daily interest rate is not achievable for everyone, and the interest rate is relatively good.

1. If you know the interest rate, you can calculate the interest on your personal loan. Interest is calculated as follows:

If you borrow 10,000 yuan, the daily interest rate is calculated according to it, then the daily interest is 3 yuan, and according to the number of days you borrow, you can calculate how much your interest is.

If the 360 IOU is not returned, there are the following consequences, including:

1.There will be stains on personal central bank credit and online credit, which will affect everyone's credit business from financial institutions and online platforms in the future, and it is normal for housing loans and car loans to be rejected;

2.In some cases, 360 IOUs will go to legal action to demand debt from the borrower. At that time, the debtor will be sued by the 360 IOU and face even more trouble.

2. How to repay the loan:

1.Open the 360 IOU software on your phone, find my page, and find "My Customer Service" on the page.

2.On the "My Customer Service" page, find "Contact Customer Service".

3.On the "Contact Support" page, we will find "How to contact Support".

6.There are the following precautions when canceling an account: you must do it yourself; There is no arrears in the account; Once you have logged out, you will not be able to restore it.

7.Once you choose to cancel your account, you will not be able to re-register and apply for borrowing on this platform. Even if we change our mobile phone number, we will not be able to apply for a second time.

Operating environment: brand model: Xiaomi 12pro

System version: Android 11 MIUI 13

The following situations can occur when a 360 IOU is seriously overdue:

1. Received a reminder of 360 IOUs** and a reminder letter.

If the repayment is overdue for a long time, the customer service of the 360 platform will first issue a serious warning to tell you the serious consequences of overdue; Then there may be practical actions, such as door-to-door collection, contacting your usual contacts, etc., which will bring a lot of trouble to your life.

2. Bear high overdue fees.

If the loan is not repaid on time, the platform will charge a certain amount of overdue penalty interest according to a certain standard starting from the day of overdue in accordance with the loan contract, and the penalty interest is very high, and the overdue is doomed to high interest.

3. Personal credit history will be affected.

At present, China's credit system is constantly establishing and improving, once a bad personal credit record is generated, 360 IOU will upload the borrower's overdue repayment information to the credit system, which will affect the loan to buy a house and a car in the future.

4. Facing the risk of being sent off.

In order to recover the loan, the platform may choose to come to court to recover the loan from you. You'll need to pay both sides of the litigation costs and hefty fines. If the debtor fails to perform the court judgment within the performance period, the creditor can apply to the court for enforcement.

When the court accepts the enforcement, it will inquire about the real estate, vehicles, ** and deposits in the debtor's name in accordance with the law.

360 IOUs.

For the time being, the parties can communicate with 360 first and apply for a postponement of repayment.

360 IOUs cannot be repaid, because the consequences of not paying off the overdue arrears on 360 IOUs are very serious. Because the 360 IOU has been connected to the central bank's credit system.

Therefore, if the party does not pay it back, the overdue record will be reported to the credit report, and the party's personal credit report.

will also have a bad credit record. Once there is a problem with credit reporting, the individual will handle credit business in the future.

The impact is lead and great.

Late for a certain period of time will result in prosecution. It's really not going to be enforced.

If you can't do it yet, here's what the borrower can do:

1. The borrower should take the initiative to contact the customer service staff of 360 IOU, take the initiative to explain the reason for overdue, strive to get understanding, and minimize the possibility of credit investigation;

2. Try your best to raise a sum of money in the shortest possible time, and pay off all the principal, interest and penalty interest that should be repaid in the current month. If you can't afford to repay your loan in the short term, you can ask your customer service staff for a loan extension to ease the current pressure.

If the 360 IOU is overdue, it should actively negotiate with it to repay the debt, and if the debtor is sued, it should actively respond to the lawsuit and repay the arrears in accordance with the court judgment.

China's civil law stipulates that the borrower shall return the loan within the agreed time limit, and if there is no agreement on the loan term or the agreement is not clear, the borrower can return it at any time, and the lender may urge the borrower to return it within a reasonable period of time.

At present, 360 IOUs report overdue information in accordance with the relevant regulations of the central bank, although 360 IOUs are overdue and will be collected at the meeting, but the borrower will not immediately report the relevant information to the PBOC system after the deadline, but will give a grace period. As for how long the 360 IOU is overdue, it may take about 3 days, and the 360 IOU will be determined according to the specific arrears. With the increasing impact of central bank credit on life, everyone must cherish personal credit, otherwise there will be huge losses.

Summary. Hello dear, I am happy to answer your <>

If the 360 IOU is overdue, it will not come to the door, and it is really not possible to negotiate a deferred repayment<>

In the case of non-repayment of the 360 IOU, the 360 IOU staff will first collect the borrower, and if the long-term collection fails, legal means will be initiated and the borrower will be prosecuted.

Will a 360 IOU come to the door if it is overdue? What if you really can't do it.

Hello dear, I am happy to answer your <>

If the 360 IOU is overdue, it won't come to the door, and it really can't be cleared to negotiate a deferred repayment<>

In the case of non-repayment of the 360 IOU, the 360 IOU work reputation motivates the rental staff to collect the borrower first, and if the long-term collection fails, legal means will be initiated and the borrower will be prosecuted.

Dear, hello 360 IOUs are not on the line, generally will not directly find the customer's home, Kai Bang Jane is mostly noisy by sending SMS and calling ** to collect money. Of course, if the customer cannot be contacted, you may call the emergency contact provided by the customer when he first applied. If the customer has been in arrears and has not repaid, and the 360 IOU has not responded to many reminders, and the amount owed is not low, then the 360 IOU may file a lawsuit with the court in order to recover the money.

In the face of overdue arrears, customers should find a way to pay off as soon as possible after being collected, and if they can't pay it off for a while, they can take the initiative to find a 360 IOU to negotiate repayment.

There are some people who say that they want to come to the door to understand, whether they will come to the door.

How long you've been overdue.

Door-to-door visits are unlikely.

It's been more than a year. However, if the overdue amount is relatively large, the lawsuit will be filed directly.

Oh, won't come to the door, will you be prosecuted.

Yes, how much you are overdue.

That's not a small amount.

Have you consulted?

360 now says that the arrears have been transferred to another company, and it is also a Hongming public account to repay the loan.

Is it the customer service that told you or is it the SMS ** notification?

Customer. Is there a chat history.

You can send it to me to see it.

Because there is a risk in repaying the corporate account.