360 IOUs are relatively easy to pay. As long as it meets the application conditions of general microfinance, it can be easily paid. If there is no next payment, it is very likely that your conditions are not met.
Reasons why 360 IOUs were not approved:
1, the borrower's credit status is not very good, and he has a serious loans overdue record;
2. The borrower is not used to using electronic payment, and 360 IOUs cannot find relevant data;
3. The online shopping record is not very good, and there are bad records complained by others.
The skills to improve the success rate of 360 IOUs are:
1. Pay more online and offline with Alipay and WeChat, and continuously accumulate personal credit records;
2. Apply for a 360 account and install some 360 software, such as 360 antivirus software and 360 mobile phone housekeeper;
3. Friends who plan to purchase funds and insurance can purchase corresponding products through 360 Finance.
360 loan is reliable. It is a credit tea product launched by 360 Finance. Loans below 40,000 yuan can also enjoy a 30-day interest-free period. The daily interest rate starts from 0.027%, which translates into an annual interest rate of 9.72%, far below the national usury standard.