In the advertisement, a woman dressed as a stewardess goes home with a man dressed as a farmer. When she saw the man's poor home, the stewardess generously said she didn't mind, and then asked him "how much is the limit on his 360 IOU." It turned out that the man didn’t know what a 360 IOU was, and his answer made the flight attendant instantly feel bad. After some relief, the man began to apply for a 360 IOU quota. Finally, he found out that he had a credit limit of 150,000, and the "stewardess" was shocked and was willing to be with him again. The man is a dog licker and the woman is a money worshipper.

Then, the conversation in the video turned to the "popular science" about 360 IOUs. What is the 30-day interest-free and interest rate?

Finally, when the stewardess saw After the poor household received a quota of 150,000 yuan, they reluctantly agreed to stay with the man.

Let’s not talk about whether there are any problems with the 360 ??IOU itself. You can taste the pictures, the lines, and the plot carefully. This advertisement is so discriminatory that it really ruins people’s outlook. .

Many netizens also said that the advertisement of 360 IOU has no bottom line and is full of stench.

The most outrageous thing is the clip of Amway 360 IOU in the video, which talks about 30 days of interest-free and the lowest daily interest rate.

These two advertising slogans have been found to be false propaganda.

You don’t need to be a netizen to tell me that this kind of xx-day interest-free advertisement is ridiculous.

If you are interested, you can click below to take a look.

I hope you can hold on and read it.

This video is not only eye-catching, but also pushes people who don’t understand into the fire pit of 360 IOUs.

Many people who first learned about 360 IOU through this video may not know it.

In fact, the name of 360 IOU has long been stinky.

02

In fact, this is not the first time that 360 IOU advertisements have overturned.

Although their other advertisement on a certain channel did not have a vulgar plot, it still treated users as fools.

A young man borrowed 50,000 yuan over the phone, and the interest was 5,000 yuan a year, which is an annual interest rate of 10.

As a result, his girlfriend said that the annual interest rate was too high and recommended a 360 IOU.

Then the official wrote in the comment area that the interest rate for borrowing 10,000 yuan from 360 IOU is 2.7 yuan per day.

Da rice did some math and found that the annual interest rate was approximately 9.85.

What is the difference between this and 10?

He also treats users as fools through advertisements on other platforms.

For example, the copy of this advertisement? "I used the 360 ??IOU to pay off all the debts at once."

If you borrow your money to fill other pitfalls, don’t you have to pay it back in the end?

Repaying loans with loans is just a way of jumping into the pit of fire. It is really evil to use this kind of advertising slogan to induce users.

The most outrageous thing is the advertising copy of "Achieving Financial Freedom".

You actually say that financial freedom means for young people to borrow 200,000 yuan to go around?

People who promote the idea that loans = financial freedom are either heartless or brainless.

There are also so-called "interest-free coupons", which look like you can get interest-free coupons as long as you register.

In fact, only those who have invited enough users and choose to repay in 12 installments can use it, and only the first installment is interest-free.

The insidious inducement method naturally caused dissatisfaction among many people.

There are 9,931 complaints against 360 IOUs on Jucomplaints, and this number is still rising.

Most of the items complained by users are violent collection, intimidation, and bad attitudes.

Some users complained that 360 IOUs were usurious. After forgetting to repay, they were threatened by phone calls, and their family, colleagues, and friends were all implicated.

Compared with these problems, the practice of stealing user information seems a bit "common".

But the stolen user information was actually used to induce minors to take loans.

Some people complained that they called their younger brother who was still in school frequently every day, and the salesperson on the phone kept guiding him to use loan products.

Loan sharking, false propaganda, violent debt collection, these problems may all be solved.

But.

Lending platforms that don’t even spare minors are garbage.

03

There are many questions on Zhihu similar to "I don’t have enough money for college life."

Many of the people who asked questions were students who had just reached adulthood, at most in their early twenties.

Even for many college students who have graduated, the internship salary is only "enough to eat."

Not to mention those who are tightening their belts for the first issue.

Statistics show that the post-90s generation use credit cards very aggressively, with the average usage rate reaching 65.6. Used more than those born in the 1980s.

What should we do if we use too much credit card and cannot afford to pay it back?

Some people choose online loans.

The age distribution statistics of consumer loans in 2019 show that the post-90s and post-00s accounted for 52.7% of the total number, and young people are the "main force" in this area.

Nowadays, the post-90s generation can be said to have “debt per capita”.

Dami asked his friends around him and found that nine out of ten people were in debt, and basically everyone was using Huabei or something like that.

And among those who have borrowed consumer loans, 29.6% choose to repay the loan with a loan.

People who have this idea are likely to fall into it after seeing the inductive advertisement of 360 IOU.

Data comparison also illustrates one thing.

The average monthly repayment amount of the post-90s generation is half that of the post-80s generation, about 33,000 yuan.

But the current income level difference between those born in the 1980s and those born in the 1990s is more than 50%.

These are enough to show that the debt pressure of the post-90s generation is far greater than we imagined.

And unscrupulous advertisements like 360 ??IOUs are still everywhere.

The emergence of this kind of online loan platform is not "adding insult to injury", it is just a trap for unscrupulous people to steal money.

04

Do you still remember that in July last year, a college student committed suicide after taking out an online loan?

The online loan this student chose was more ruthless than a loan shark. He borrowed 1,000 yuan and actually got 700 yuan, but he had to pay back 1,000 yuan in interest.

Despaired, he committed suicide like most people who have experienced similar things.

There was another incident in October last year. The deceased applied for 34 online loans during his lifetime.

Even his family is helping him pay back the money, but it’s still not enough.

In the end, he chose to jump off a building to end his young life.

What’s even more crazy is that some people can’t afford to pay back their online loans, so they have murderous intentions.

In a case decided last month, Ning, a man born in 1995, wanted to commit suicide because he could not repay an online loan.

She thought her mother would not be able to bear it and committed suicide, so she killed her mother.

The ending is either suicide or murder. Online lending is like "the coming of death."

Ten thousand steps back.

Even if the money is paid back in the end, the person is still alive and the credit record is in a mess.

As long as you are exposed to online loans, it is basically impossible to live a good life.

Of course, I don’t believe that if things like 360 ??are so big, they can turn a blind eye to the violations in their own terms.