1. Sesame credit score is equivalent to sharing part of the rights and interests of Alipay platform by accumulating credit for Alipay users. Sesame credit is divided into five grades, from low to high: 700-950 (excellent); 650-700 (excellent); 600-650 (good); 550-600 (medium); 350-550 (poor). Of course, the difference here does not really mean the poor credit of users. Generally, when Alipay just registered, the sesame credit score started at 350. After completing the identity authentication, you can quickly rise to 600 points through several transactions, such as phone bill recharge and Taobao shopping, but if you want to continue to rise, you need to constantly measure your five standards:
1. Behavior preference: It mainly involves your consumption behavior, and shopping, hotels, air tickets and travel will definitely get extra points.
2. Identity: including your educational background, professional qualifications, consumption records and other information.
3. Performance ability: whether to repay the loan on time.
4. Personal relationship: what is the record of friends and the relationship with money.
5. Credit history: whether there are bad records such as loans and credit cards. , and whether there is illegal operation on the platform.
So more than 600 points is normal. If the score is lower than 600, you need to consider whether it has not been integrated into the era of mobile payment, or whether there are bad operations.
2. As can be seen from the above measurement standards, the function of Sesame Credit Score is similar to that of credit card, only relying on Alipay platform with more functions, the use of Sesame Credit Score is more flexible, and service stratification can also be formed according to different points. What's more, Ali is growing and can provide credit services in hotels, renting houses, tourism, marriage and love, classified information, student services, public services and so on.
1 and above 600 points: you can open flower beds and borrow flowers. The higher the score, the higher the quota and the lower the interest;
2. Rent without deposit (Yu Xiang, Chunmian, Youke Yijia, Beautiful House, Apartment House), rent a car (CAR Inc, Ehi Rent a Car, Avis Rent a Car, etc.). ), staying in hotels (Future Hotel, Piggy short rent, Tujia Apartment B&B, Ant short rent, Wooden Bird short rent), etc. , and ride;
Above 3,650, car companies and Yiyi have car rental discounts; You can also rent a smartphone, Apple computer or even buy it at a low price without a deposit.
Above 4.666 points, open up the deep cooperation with Alipay to recruit loans such as time loans;
5, more than 700 points, it is very simple to apply for a Singapore visa; You can also apply for a Luxembourg "credit visa" with a score of 750 or above, without submitting employment certificate, income certificate, copy of ID card and hotel payment voucher.