What are the conditions for 36 IOUs?

The application conditions of 36 IOUs are as follows:

1. 36 IOUs will stipulate the age of the applicant, and the applicant must be at least 18 years old, but not over 55 years old. You must also have a mainland resident ID card, and you can't use Hong Kong, Macao and Taiwan ID cards to handle 36 IOUs.

2. Applying for 36 IOUs also has relevant regulations on bank cards, which must be the savings cards of the following banks: China Bank, Industrial and Commercial Bank, China Construction Bank, Bank of Communications, China Everbright Bank, Shanghai Pudong Development Bank, Postal Savings Bank, China Merchants Bank, Agricultural Bank, China CITIC Bank, Ping An Bank, Industrial Bank, Minsheng Bank, China Guangfa Bank and Huaxia Bank. You can't apply for a 36 debit card.

3. The applicant's personal credit record must be spotless, and there is no serious credit problem in the central bank's credit information system.

4. The mobile phone number used to apply for 36 IOUs must be authenticated by real name.

36 IOUs

Borrowers who are 18-55 years old and hold mainland identity cards can try to apply. After the application, the system will comprehensively evaluate them, and the loan will be successful if the comprehensive evaluation passes. If the comprehensive evaluation fails, the need to apply for borrowing money this time will be rejected.

If "comprehensive evaluation failed" is prompted after 36 IOUs apply for loan, it means that this loan application does not meet the loan conditions of the system temporarily. When applying for each loan, the system will review the latest comprehensive qualifications of the user's current account (such as central bank credit information, consumption behavior, payment habits, loan records of other financial platforms, etc.), and the evaluation is dynamic, and the application result does not mean that the application cannot be successful in the future, which is subject to the page display.

According to the official answer, in order to successfully borrow money in the 36 IOUs, firstly, the age must be within the official requirements, and secondly, the personal credit information cannot be seriously overdue, and many online loan products cannot be applied for.

after the loan application is approved by the system, the loan will be released immediately, and the loan will be received within 3 minutes at the earliest. Please refer to the actual time of receipt. In some periods, due to the busy handling of the bank, there may be delays in receiving the money, and interest will be calculated from the date when you actually receive the money.

36 Remember to repay the loan on time after the loan is borrowed. After the loan is successful, the repayment date will be displayed. If the loan is successful before 24: pm on the repayment date, it is not overdue, and you can also apply for early repayment.

is p>36 IOU a credit card?

36 IOU is not a credit card. 36 IOU is one of the core products of 36 Finance under 36 Group. The official defines 36 Finance as a technology platform connecting users and financial partners.

As long as the borrower always repays the loan on schedule and maintains a good credit in the process of using the 36 IOU, it can effectively increase the impression score for the bank and is also beneficial to the credit card application. No matter whether the borrower uses a credit card or a 36 IOU, it is necessary to maintain the good habit of repayment on schedule, and never make impulsive consumption, which will increase his repayment pressure. If you can't afford the bill in the end and the loan is overdue, the consequences will still be very serious.

How to repay p>36 IOUs:

Automatic repayment, the user only needs to ensure that the repayment bank card funds are enough to repay the current amount one day before the agreed repayment date, and the bank will automatically deduct the amount at 8: am on the repayment date. If the current account balance is insufficient, it will be replenished at 16: pm on the repayment date. If the deduction is still unsuccessful due to insufficient quota, it will be replenished at 2: pm on the repayment date (be sure to confirm the repayment date at 16: pm and 2: pm).

requirements for applying for 36 IOUs

What are the requirements for applying for 36 IOUs

1. Requirements for applying for 36 IOUs

1. There are requirements for age. According to relevant regulations, only users who are over 18 years old but not over 55 years old can apply for 36 IOUs. At the same time, only users with mainland resident ID cards are eligible to apply, and users with Hong Kong, Macao and Taiwan ID cards cannot apply for 36 IOUs.

2. When applying for 36 IOUs, you need to provide a bank card. According to the relevant regulations, when applying for 36 IOUs, the bank card you need to provide is only the debit cards of banks: Industrial and Commercial Bank of China, China Construction Bank, Bank of Communications, China CITIC Bank, Pudong Development Bank, China Everbright Bank, Postal Savings Bank, China Merchants Bank, Agricultural Bank, Ping An Bank, Fujian Industrial Bank, Minsheng Bank, Huaxia Bank, etc. It should be noted that

3. When applying for 36 IOUs, you need to ensure that your personal credit record is spotless. Users who have no serious credit problems in the credit system of China People's Bank can apply for 36 IOUs. If the applicant has a credit problem, then the application will not be passed.

4. If you need to apply for 36 IOUs, you also need to make sure that the mobile phone number used in the application is your own and registered in real name. A mobile phone number without real name registration cannot apply for 36 IOUs.

what are the conditions for applying for 36 IOUs

II. How to apply for 36 IOUs

From the conditions listed above, we can clearly see that it is not very difficult to apply for 36 IOUs. As long as these conditions can be met, the hope of applying for a loan is still great. In order to enable the 36 platform to complete the review process and issue loans more quickly, the following also summarizes some methods.

1. When applying for 36 IOUs, the platform will require the applicant to provide some materials. If you can provide more materials to prove yourself, such as income certificate, social security certificate, provident fund payment certificate, etc., then you can better let the platform know your repayment ability and complete the audit and loan faster.

2. Many users are unable to apply for 36 IOUs due to the high debt ratio. Therefore, before applying, you need to minimize your debts, such as credit card arrears or other arrears.

3. If the applicant has a credit card in his name, it can help the 36 platform to complete the credit extension faster, so the applicant can also apply for a credit card before applying for a 36 loan, so as to improve the probability of successful application.

what conditions should be met when applying for 36 IOUs

3. What problems should be paid attention to when applying for 36 IOUs

1. When applying for 36 IOUs platform, applicants need to evaluate their credit status to ensure that they can meet the requirements specified by the platform.

2. When using the 36 platform to borrow money, you need to pay attention to the specified repayment time, ensure that you can repay according to the agreement, and avoid the penalty interest caused by overdue, which will affect your personal credit information and bring a lot of inconvenience to your work and life.

that's enough for the introduction of p>36 I need a credit card to borrow money.