It is very simple, 360 lending is driven by big data, if you because there is a late, your credit score will fall, the subsequent amount of your borrowing and borrowing interest rates will also be affected, and even make you can not borrow.

Those who say they can help you negotiate repayment, is to seize the psychology of your desperation, and then charge a fee on the run, you want to save some interest, it is not possible to end up spending out a lot more money.

Personal advice: don't trust anyone, don't always think of pie in the sky, anti-fraud awareness to improve.