The review of 360 IOUs has not passed, which means that the borrower has not met the loan conditions of 360 IOUs. 360 IOUs failed to pass the examination mainly because everyone's comprehensive score could not meet the basic requirements of 360 IOUs. The comprehensive score is based on the borrower's credit risk, payment habits and consumption. There are several reasons why the comprehensive score is not up to standard:

1. The borrower's credit information is not very good, and he has a serious loans overdue record;

2. The borrower has almost no habit of using electronic payment, and 360 IOUs can't find relevant data;

3. The online shopping record is not very good, and there are bad records complained by others.

Solution to the failure of 360 IOU review

The failure of 360 IOUs is not without solutions. You can try again in 1-2 months. However, while waiting for another application, you'd better insist on the following points:

1. Bind the credit card with Alipay and WeChat, try to use Alipay and WeChat for online and offline consumption, and insist on returning the arrears on time;

2. Apply for a 360 account and install some 360 software on your mobile phone and computer, such as 360 antivirus software and 360 mobile phone housekeeper.

3. Friends who plan to purchase funds and insurance can purchase corresponding products by financing 360 Finance.

Why did 360 IOUs show that the comprehensive evaluation failed?

The failure of comprehensive evaluation of 360 IOUs means that the borrower has been comprehensively evaluated by the system, and the borrower has received a prompt that it is temporarily unable to apply for a loan.

If this happens, it is mainly related to the following four reasons:

1. The loan does not meet the lending conditions: for example, the loan amount is too large, the loan term is too long, and the borrower has a record of early repayment. These do not meet the loan conditions of 360.

2. There are overdue records in the credit report: 360 You need to be authorized to inquire about the personal credit report when applying for the loan. If there are bad credit records in the borrower's credit report, such as loans overdue and overdue credit cards, 360 IOUs will consider it risky to lend money to customers.

3. There are restrictions on bank card binding: if the second-class account lends more than 65,438+0,000 yuan, it will make an error, and if the third-class account lends more than 65,438+0,000 yuan, it will make an error. Therefore, after the system reviews the bank card, it will give an evaluation that the comprehensive evaluation failed.

4. Failure to fill in the loan information truthfully: In addition to personal basic information, contact information should be filled in when applying for a loan. 360 If the borrower's information is found to be incorrect or the authenticity of the information cannot be verified during the review, then the borrower will not pass the system evaluation.

360 IOUs failed in comprehensive evaluation? You may have overlooked these points!

; ? When some users apply for 360 IOUs, they are prompted that the comprehensive evaluation failed and they cannot apply for loans temporarily. What is the reason? There are many reasons for the failure of comprehensive evaluation, and I will sort it out for you here. If your comprehensive score of 360 IOUs is insufficient, it is probably caused by the following reasons.

The main reasons for the failure of comprehensive evaluation

The failure of comprehensive evaluation means that the loan application does not meet the loan conditions of the system temporarily. You can apply for a loan again after 1-2 months.

Detailed reasons for the failure of comprehensive evaluation

1, ID number is wrong.

To borrow money from 360, a formal loan contract needs to be established. If the ID number is filled incorrectly, the system will make an error when verifying the identity information.

2. The contact information cannot be verified.

In order to ensure the account security of God Man, it is necessary to add a common contact as an emergency security contact during the application process. If the number cannot be dialed when verifying the contact, the authentication may fail.

3. Face recognition authentication failed.

In face authentication, the face will fail because the borrower fails to complete the corresponding action according to the voice prompt, or when there are insufficient light and accessories.

4. Error in binding bank card.

Due to bank restrictions, second-class accounts with loans exceeding 1 1,000 yuan will not be able to lend money, and third-class accounts with loans exceeding 1 1,000 yuan will not be able to lend money. Bank cards that can apply for loans only support 15 banks, namely Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Bank of Communications, Postal Savings Bank, China Everbright Bank, China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, Minsheng Bank, Industrial Bank, China Guangfa Bank, Huaxia Bank and Ping An Bank.

The above reasons are seen from the application conditions of 360 IOUs, because the failure of comprehensive evaluation means that it does not meet the loan conditions, which means that there are problems in the above aspects. If you encounter a comprehensive evaluation failure in the first application, you can apply for a loan again at any time as long as the available amount of the account is ≥500 yuan and the account status is normal.

Why did the comprehensive evaluation of 360 IOUs fail? What should I do?

At present, there are many online loan platforms through which everyone can borrow money when they are in urgent need. However, when applying for online loans, they often encounter various problems. For example, some friends suggested that the comprehensive evaluation failed when applying for 360 IOUs. What should we do when the comprehensive evaluation fails?

In fact, the failure of comprehensive evaluation shows that the loan application does not meet the loan conditions of the system for the time being. The reason for this result is largely due to the borrower's wrong operation process:

1. Incorrect ID number: To borrow money from 360, a formal loan contract needs to be established. If the ID number is filled incorrectly, the system will make an error when verifying the identity information.

2. Contact information cannot be verified: In order to ensure the security of Ren Shen's account, an ordinary contact person needs to be added as an emergency security contact person during the application process. If the number cannot be dialed when verifying the contact, the authentication may fail.

3. Face recognition authentication failed: in face authentication, the borrower fails to complete the corresponding actions according to the voice prompts, or the face will fail when there are insufficient light and accessories.

4. Bank card binding error: Due to the current bank restrictions, second-class accounts with loans exceeding 65,438+0,000 will not be able to lend money, and third-class accounts with loans exceeding 65,438+0,000 will not be able to lend money. At present, only 15 banks can apply for loans, namely Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Bank of Communications, Postal Savings Bank, China Everbright Bank, China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, Minsheng Bank, Industrial Bank, China Guangfa Bank, Huaxia Bank and Ping An Bank.

In addition, the system will check each loan application and comprehensively evaluate the latest comprehensive qualifications of the customer at that time (such as the current debt situation, work, income level and credit of the customer, etc.). ), the final audit result shall be subject to the SMS prompt. If the comprehensive evaluation fails, it means that the loan does not meet the loan conditions of the system for the time being. It is suggested that the borrower try to apply again after 1~2 months.