In the waiting process, we must pay attention to the following aspects:
1, keep a good personal credit record.
360 IOUs are pure credit loans and must be authorized to inquire about credit information. Therefore, there is no such thing as loans overdue in personal credit information. Only when individuals perform their duties in good faith can 360 IOUs be approved.
2. Maintain good consumption habits.
Consumption habits usually refer to whether customers have any loan needs, such as whether they have applied for bank credit cards or personal credit loans. If the customer's personal credit activity is blank, it does not meet the approval requirements.
3. Don't borrow it often.
Frequent borrowing will lead to too many bank credit accounts and too high debts under user names. 360 IOU system software may distinguish the lender's economic development anxiety and limited repayment ability, so it failed to pass the review, and only after paying off part of the loan debt properly can it help to borrow again.
What information can I apply for 360 IOUs? To handle 360 IOUs, you can prepare your valid ID card and a bank debit card in advance.
The main indications are as follows:
1. Your valid ID card is used to confirm the identity of the lender, to see whether the ID card information that should be filled in is basically consistent with the ID card, and there is facial recognition to ensure that the lender applies for a loan himself.
2. Bank debit cards are used to collect money and pay back money. Pay attention to the savings cards encouraged by the 360 IOU service platform, such as popular savings cards such as ICBC, CCB and Bank of Communications. See the application page for details.
3. Because 360 IOUs are unsecured loans and unsecured credit loans, they can be processed online all the time, so only the above materials are needed, and the credit information system is authorized to inquire, so that the 360 IOUs system software can comprehensively evaluate the credit risk.
360 IOU is a credit loan platform, which does not need loan guarantee or pledge, mainly depending on personal credit information and qualification certificate. Generally speaking, you can apply if you meet the following conditions:
1, reaching the age of 18, but not more than 55 years old, and a law-abiding citizen of Chinese mainland;
2. Be able to provide valid identity documents and have a separate civil act;
3, the work is relatively fixed or has a certain fixed income;
4. I have strong repayment ability and low debt ratio;
5. A person has no bad credit record in the personal credit information system of the central bank and has good repayment ability.