The failure of the 360 ??IOU comprehensive evaluation means that the system conducts a comprehensive evaluation on the borrower, and the borrower receives a prompt that it is temporarily unable to apply for a loan.

If you encounter this situation, it is mainly related to the following four reasons:

1. The loan does not meet the loan conditions: for example, the loan amount is too large, the loan period is too long, People with early repayment records are not eligible for 360 loan conditions.

2. The credit report has overdue records: 360 IOU requires authorization to query the personal credit report when applying. If the borrower's credit report has bad credit records, such as overdue loans or overdue credit cards, Then 360 IOU will consider it risky to lend money to customers.

3. There are restrictions on binding bank cards: an error will occur when lending more than RMB 1,000 from a bank card for a second-category account, and an error will occur when lending more than RMB 1,000 from a bank card for a third-category account. Therefore, after the system reviews the bank card, it will give an evaluation of failed comprehensive evaluation.

4. Failure to fill in the loan information truthfully: In addition to basic personal information, you also need to fill in contact information when applying for a loan. During the review of 360 IOUs, if it is found that the borrower's information is incorrectly filled in or the authenticity of the information cannot be verified, the borrower will not pass the system evaluation.