First of all, Sesame Credit has five grades:
700-950 is Grade I, with excellent credit;
650-700 is Grade II with excellent credit;
600-650 is level 3, with good credit;
550-600 is level 4, with medium credits;
350-550 is five grades, with poor credit.
Since it is a personal credit score, the higher the score, the better. The higher the score, the more benefits and rights you enjoy in Alipay. If the score is low, the corresponding rights will be reduced.
So what rights can high scores enjoy? Here are some examples:
1, riding without deposit:
Ofo cooperates with Sesame Credit. At present, users in Shanghai can enjoy the deposit-free riding service as long as the sesame credit score is above 650, hoping to implement the deposit-free activity nationwide as soon as possible.
Entering the Alipay bicycle sharing page, we can find that not only OFO, but as many as six bicycle sharing companies, such as Yonganxing and Xiaolan Bicycle, have cooperated with Alipay, and you can ride without a deposit if the sesame credit is above 700.
2. Credit visa:
If the sesame score is higher than 700, you can apply for a Singapore visa, and the required information will be much reduced. Users with sesame score above 750 can apply for a "credit visa" in Luxembourg through Ali Travel. Information will also be reduced according to everyone's situation.
3. Stay in the hotel for free:
As early as 20 15, Ali launched "credit stay", and users who book hotels with 600 points or more can enjoy services such as "zero deposit", and thousands of hotels across the country can stay at will.
Of course, the benefits of high sesame credit score are not limited to the above points. There may be more and more application scenarios of sesame credit score, and friends with high credit score will enjoy more and more benefits. Generally, those with a score above 600 belong to good credit. Friends below 600 points need to pay attention to your credit score, pay attention to daily accumulation, and strive to improve their scores.
What is sesame credit score? It is a credit system established by Alibaba Ant Financial. With the rapid development of Internet finance, bribery has become an important role in Internet credit reporting. So for the average user, what kind of scores are normal!
How many points are normal? Even for newly registered users, the general score will be close to 600, and it can reach more than 600 with a little use. Sesame score of 600 is the passing line, which is the watershed of good or bad credit. A score of 600 is a pass, so a score below 600 is a fail. In the case of credit failure, basically many credit-based behaviors can't be done. Therefore, if your sesame score is below 600, it is imperative to find ways to improve your credit score.
Sesame credit score is generally considered according to five latitudes: credit record, behavior preference, performance ability, identity characteristics and personal relationship. Therefore, if you want to artificially improve your credit rating, you only need to start from these aspects. For example, it is very easy to bind your credit card with a good credit record, use Alipay to complete daily consumption, and bind social security provident fund real estate, even if it is a new number that has just been opened, it is about 650 points.
Users with scores above 750 can apply for a "credit visa" in Luxembourg through Ali Travel. According to the situation of each applicant, users can pay less information such as asset certificates. Applicants with good credit will submit less materials, which may include employment certificate, income certificate, household registration book, copy of ID card, payment voucher for air tickets and hotels, etc. You can also apply for a Singapore visa if the sesame score is higher than 700, without providing employment certificate, personal information form, household registration book, copy of ID card and other materials.
In short, the higher the credit score, the more privileges you enjoy. For example, the amount of flowers borrowed is generally higher than that with low scores. What kind of credit purchase, such as bike sharing and deposit-free leasing, is based on sesame credit points, and high credit gives us all simple and affordable convenience. Therefore, you must pay attention to your credit when you use it at ordinary times, and don't wait until you want to use it to find that your score is not enough.
Grading by score: 350-550 is poor credit, and 550-600 is medium credit; 600-650 means good credit, 650-700 means excellent credit and 700-950 means excellent credit. See which echelon you belong to, work hard!
Under the system of big data, all electronic consumption records or other financial behaviors of a person will be collected and classified to form a credit report. The credit record of China People's Bank is so, and Ma Yun's Alipay's sesame credit system is more detailed and specific. Generally speaking, sesame score can better reflect a person's financial strength and integrity.
According to Alipay's own scoring system, Sesame Credit is divided into the following categories:
350-550 points: poor credit; Many people can't afford to spend money, malicious breach of contract, and the credit score is naturally the lowest.
550-600 points: medium credit;
600-650 points: good credit; Generally, as long as it is overdue, it will be quickly downgraded. There are many people in this area.
650-700 points: excellent credit;
700-950 points: Excellent credit.
The author maintained 775 points for more than three years, and only increased 5 points to 780 this month. Sesame credit score has been in an excellent state, because Taobao and Alipay know me. I have been shopping in Taobao since 2005, and it has never been overdue.
There are indeed many advantages to dividing the height. The most obvious is the amount and interest of loans and expenditures.
My loan amount is10.2 million yuan all the year round, and the interest is 3.5 ‰ per day. I think this interest rate is too high. If I borrow it for one year, the interest is 795 yuan. I don't need to borrow it unless I have to
However, flower buds are different. Flower buds have a 40-day interest-free period and can be used with confidence. The higher the sesame score, the higher the quota. My flower garden quota is close to 30 thousand, which is usually enough.
These two can solve the daily capital needs of most people, and can even be used for capital bridge and turnover.
In fact, there are many uses after sesame seeds are high. For example, if you live in a credit, you don't have to pay a deposit to stay in a hotel.
For example, renting a car can also be free of deposit.
You can also ride without deposit. Some people have to wait a long time to get the deposit for the yellow car. We have never had this problem.
There are also charging treasures, umbrellas and so on. 700 points or more is free of deposit.
And credit go. Some cities have discounts of more than 650 points for subway buses.
If the score is high, such as above 700, you can apply for visas for some national teams for free, such as Singapore, which is what I did.
In other aspects of food, clothing, housing and transportation, sesame has too many advantages, so I won't list them one by one.
In terms of personal love and marriage, the advantage of high sesame score is even more incisive.
Like a good marriage. Com can light sesame seeds. When others look at it, wow, the sesame score is high enough, and this person is reliable. In this case, the chances of finding someone are even greater.
What's more, parents in some areas have learned to judge their future daughter-in-law or son-in-law by sesame seeds. For example, the mother-in-law in Shanghai depends on the hardware conditions of the other party and the sesame points of the young man. Finally, now is the era of big data, and credit is precious. Please cherish your credit.
Teacher Ma Yun once threatened that if the bank did not change, we would change the bank. He did it, forcing the bank to make changes and gaining benefits for us. Ma Yun's Alipay has been liked by many users since it was launched. After spending a huge sum of money to build a sesame credit system, it has given users more and more benefits and is more popular with users. So how much is sesame?
Sesame is divided into five grades, namely:
350-550 points: poor credit;
550-600 points: medium credit;
600-650 points: good credit;
650-700 points: excellent credit;
700-950 points: Excellent credit.
So where do you belong now?
It can be seen that 600 points of sesame seeds is the watershed of sesame seeds, and more than 600 points means good credit. So what are the wonderful uses of sesame seeds? Ma Yun responded: You can spend money.
First of all: Internet finance
You can use the function of ant flower bud when sesame scores more than 600 points. You can enjoy the service of spending first and then paying back like a credit card, which is more convenient than a credit card. It also has the right to borrow money directly from bank cards or balances, with a maximum amount of 300,000, similar to WeChat's micro-loan system. However, both service officials launched a white list invitation system, and many users were rejected. There is a service on WeChat that can directly apply for "Travel Around the World" search.
Secondly: there is no deposit for rent.
If sesame scores 650 points, you can enjoy rent-free benefits, such as renting umbrellas, charging treasures and renting cars. There is no deposit for staying in a hotel and renting a house. It is also spent with sesame seeds as money.
Once again: Internet medical care
Alipay teamed up with more than 400 medical units to jointly launch "Ali Health". Sesame can enjoy the benefits of online consultation, online registration and payment after seeing a doctor, and most of them support the payment of flowers, which is also to spend sesame as money.
Finally: Canada online visa
Recently, Alipay responded by reaching an agreement with the Canadian Embassy. If the sesame score reaches 750 or above, you can apply for an electronic visa online, which can save tedious steps such as proof of property. Sesame seeds can really be used as money.
Sesame credit must be familiar to everyone. It is a credit system built by Alipay, and it is still a credible credit rating method. So you can't help asking, what does the score matter?
Sesame credit has a maximum score of 950 and a minimum score of 350.
Poor: Sesame score is between 350 and 550.
Medium: Sesame score is between 550 and 600.
Good: The sesame score is between 600 and 650.
Excellent: Sesame score is between 650 and 700.
Excellent: Sesame score is between 700 and 950.
My personal credit score is about 760, and my friends around me are probably around this score;
The basic uses of Sesame Credit are as follows:
1) Low-interest loan: If you borrow money, your quota and loan interest will be different from others, especially the loan interest rate is very favorable, and some other third-party credit inquiries or banks may also refer to Sesame Credit when lending money;
2) The overdraft limit is large: it is typically a flower garden, and you can spend money first and then pay; In addition, it is also reflected in the credit and application of credit cards, and there will be some concessions;
3) Convenience of life: for example, sharing products-bicycle sharing, car rental, renting, etc. You can avoid the deposit, which adds a lot of convenience to use;
4) Socialization: A high credit score is conducive to increasing trust between people;
The range of sesame score is 350-950, and it is normal to score more than 600. This fractional value is a threshold. Many services require sesame scores above 600. For example, many lending institutions require sesame seeds to score above 600 points before entering.
Of course, 600 points doesn't mean you can do everything. In fact, there are many services, and the higher the score, the better. Therefore, high sesame credit score still has many advantages, mainly in the following aspects:
1. The most obvious thing is that you can get a higher credit line for borrowing and consumption. In general, the higher the sesame score, the higher the credit line for borrowing and consumption, as well as other loans that refer to sesame credit.
2. You can get a lower loan interest rate. In general, the higher the sesame score, the lower the loan interest rate. For example, my sesame credit score is 730, and the loan interest rate is four ten thousandths, while my friend sesame score is 780, and the loan interest rate is only 365 yuan less than mine.
I also saw a friend's sesame credit score of 8 16 and the daily interest rate of 0.02%!
3. You can enjoy many special benefits. The most common ones are sharing bicycles without deposit, using charging treasure without deposit, renting houses without deposit, renting computers and digital equipment without deposit, and so on.
Some time ago, Alipay also launched a free mobile phone. As long as the sesame score is above 750, you can buy a mobile phone for free for one month, and you will not return it at any time if you are satisfied within one month.
I think everyone must have heard the story of Alibaba and the Forty Thieves. The B2C e-commerce platform founded by Ma Yun is now called Taobao, and it was called Alibaba in the past B2B. The name was inspired by the story of Arabian Nights. The story of opening the door to wealth is very famous, namely: open sesame. For Alipay users, sesame credit score is equivalent to sharing part of the rights and interests of Alipay platform by accumulating credit.
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.
As can be seen from the above measurement standards, the function of sesame credit score is similar to that of credit card, but 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 constantly, and it can provide credit services in hotels, renting houses, traveling, marriage and love, classified information, student services, public services and other scenarios.
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.
In other words, the improvement of sesame credit score will become a bonus that users can enjoy, including daily consumption such as food, clothing, housing and transportation, and they will be able to use credit for small consumption. For individuals, financial products such as flower beds, loans and good loans will also bypass the lengthy and complicated approval process of credit cards and enhance the goodwill of user experience.
Of course, good credit can be realized, so cherish your "credit score", otherwise, bad credit may be tied to Ali's business universe in the future.
Alipay is one of the most commonly used users of our daily payment. The higher the score of Alipay sesame, the higher your credit. However, your sesame score is not fixed. It is more timely to pay back the money according to the number of times you use it. Every function you use in Alipay, such as Didi taxi, letter shop, every use process and good credit will be recorded. When your credit is bad, the sesame score will drop, and when your credit is used, it will get better and better.
Generally, it is normal for sesame seeds to score 600 points. Of course, the higher the sesame score, the better. When applying for a credit card, as long as the sesame score reaches a certain point. Whether you have a job or not, just look at credit and credit loans. Of course, Alipay can borrow money at 600, giving us ordinary people a platform to borrow money.
Of course, improper use of Alipay sesame seeds will also bring some disadvantages. For example, if you sell something in Alipay's flower garden and don't return it in time, you must go to the Credit Bureau. If you go to the credit bureau, it will affect your payment. Now is the era of big data. The bank will have your bad record. Friends should borrow flowers according to their abilities.
If there is anything bad written, you are welcome to criticize.
Sesame can experience the ultimate service in the free service. Even a score of 550-600 is normal. Alipay is a third-party payment platform that everyone will use in daily life. When we use the function of Alipay, we don't know that some credit system services will be generated correspondingly during the use process, and these services will be analyzed by various big data in cloud computing, and then present a credit status for ourselves!
This kind of credit status can be very intuitively reflected in Alipay's sesame credit, and the most conspicuous embodiment is the score of sesame points.
How much is Alipay Sesame normal? There are also some differences in the grades of sesame seeds. The peak value of sesame score from 350 to 950 is poor, 550 to 600 is average, 600 to 650 is good, 650 to 700 is excellent, and upward is excellent.
Pay by Alipay, give priority to setting up flower beds, buy wealth management products at Alipay, and pay living expenses (utilities, gas, broadband, etc.). How should you improve your sesame score? ), and give priority to using flower buds when shopping on Taobao.
What substantial influence does sesame seed have on us? Sesame points, as a credit system, have no threshold in real life in exchange for some tangible rights and interests. For example, when your sesame score exceeds 600, you will find that you can borrow a charging treasure without a deposit, and when your sesame score is greater than 650, you can enjoy more free services. For example, some merchants on Taobao pay after the experience, go out to live in hotels and homestays, free of charge, free of charge, free of car rental, free of charge.
To sum up, in fact, when we use the sesame seed fee-free service, it is a reflection of the personal credit situation we have experienced, so we must maintain personal integrity and credit! In this way, you can enjoy more rights.