360 IOU is low.

Displayed based on the query on Xicai.com.

1. For 360 IOUs, interest is calculated on a daily basis, with a minimum daily interest rate of 0.03% and an annual interest rate as low as 10.8%.

2. For credit cards that calculate interest on a daily basis, the daily interest rate is as low as 0.05%, and the annual interest rate is as low as 18%.