generally speaking, sesame credit score can be divided into five grades, and the specific grades are as follows: 35 to 55 points belong to poor credit; 55 to 6 points belong to medium credit; 6 to 65 points belong to good credit; 65 to 7 points belong to excellent credit; A score of 7 to 95 is considered as excellent credit.
the calculation of sesame credit score is mainly divided into the following five aspects.
1. Identity (15%): sufficient and reliable personal basic information left in the process of using related services;
2. Behavior preference (2%): preference and stability in shopping, payment, transfer, financial management and other activities;
3. Personal relationship (5%): the identity characteristics of friends and the degree of interaction with friends;
4. Credit history (35%): past credit account repayment records and credit account history;
5. Performance ability (25%): Enjoy all kinds of credit services and ensure timely performance.
How to improve personal sesame credit score
1. Use flower buds more: As long as you can pay with flower buds, try to use flower buds as much as possible, preferably in installments, so that you can pay a certain amount every month, and each repayment is equivalent to performance.
2. Make more use of Alipay's transfer: The more times you transfer money, the larger the amount, and the higher the value of sesame credit score.
3. Pay back the credit card with Alipay: Pay back the credit card regularly every month, and at the same time, the consumption record of the credit card can help the banking system to find out your spending power level to a certain extent
4. Pay the miscellaneous living expenses with Alipay, such as paying the phone bill, water bill, electricity bill, gas bill, broadband bill, property fee and so on.
What's the use of sesame credit score
1. Increase the amount of personal flowers;
2. Open various online loan services, such as borrowing, good-term loans, online merchant bank loans and so on;
3. You can apply for a tourist visa;
4. When renting a house or car on Alipay platform, the deposit is not required;
5. Enjoy zero deposit when staying in the hotel;
Sesame score can be said to be an evaluation standard of credit loans. The higher the score, the easier it is to get loans, and the higher the loan amount will be. Like common products, such as flower buds, it is the product with the lowest application threshold. As long as your score is above 65, you can open flower buds. There are also ants borrowing, and if the score is above 6 points, there is a chance to open it. Sesame points are very important for borrowing.
in addition to spending money and borrowing money, AliPay also has a reserve fund and new insurance services, which can only be used by gold members with sesame score above 65. Mutual treasure is a new insurance service launched by Alipay. As long as you pay a little money every month, you can share it when you encounter a serious illness.