Personal credit is becoming more and more important now. Personal credit involves not only personal finance and credit loans, but also every aspect of our lives. I take Alipay's Sesame Credit as an example. Sesame Credit is one of the criteria to reflect your credibility in the Ali system. The higher the score, the better the right. Even the very popular bicycle sharing small blue bicycles and small yellow bicycles can directly access sesame credit, and users with high sesame credit scores can use it without deposit. In other words, many friends' sesame credit scores did not reach 700 points, and even many did not reach 650 points. Now the question is, how to improve this sesame credit score? Today, talk to friends about how to skillfully improve Alipay Sesame Credit Score! Let's take a look.

1, be sure to improve your personal data.

Under the homepage of Sesame Credit, there is a column of "Credit Management". In terms of personal information, fill in whatever you can. The reason is:

Education-can show your income level;

Bind the company email-if it is large, state-owned or foreign-funded, you will get good points to ensure the stability of income;

Career information-LinkedIn related, etc. And there is a third party to prove that your information is true;

Overseas credit report-this is rare, if there is, it is very important circumstantial evidence;

Vehicle information-proof of movable property ability;

Provident fund-push back your income level through it.

Credit card bill-defines the level of credit consumption.

2. Tie more bank cards.

Not all bank cards are bound to Alipay, but credit cards and 1 repayment savings cards should be bound more. Sesame Credit can make more capital exchanges by tying cards, so that Sesame Credit can judge your disposable income level.

3. Use Alipay's "credit card repayment" and "living payment" functions.

Through Alipay's "credit card repayment", Sesame Credit can know your basic credit level, consumption grade and ability to control wealth, and the best monthly repayment is 1 10,000 yuan; "Mortgage repayment" is similar; Paying the important "water, electricity and coal property fee" in the "living payment" with Alipay will make Sesame Credit more aware of the stability of your residence, because only unstable people will always change their residence.

4. Try to use Alipay in various consumption scenarios where Alipay can be used.

Including but not limited to: Taobao, Tmall, Meituan, Volkswagen, Didi Taxi, 12306, and offline restaurants, hospitals, hotels, KFC, McDonald's and other entertainment places, the amount may not be large each time, but it must be used frequently, and the total amount reaches a good level, so that Sesame Credit can judge whether your consumption desire matches your income level, and thus improve more fairly.

5. Open and use more sesame credit-related businesses.

For example, using sesame's own "credit to live" and credit to rent a car is the same. At the same time, the quasi-credit card business of "Ant Flower Garden" and the loan service of "Ant Borrowing Garden" were opened. More importantly, the latter two businesses should take the initiative to repay as soon as possible after the bill appears, and don't wait until the final repayment date. Active repayment is also the key to measure the adequacy of financial resources. Of course, it is still the principle of borrowing more and paying more. For example, friends spend thousands of dollars on flowers and borrow them several times a month. In the early stage, sesame scores rose well.

6. Deeply participate in Yu 'ebao and Ant Wealth Management Project.

In fact, just like a bank, the more money you deposit here, the more it directly reflects your financial resources. The more assets in the ant system, the more you can get the favor of Sesame Credit. Because of Yu 'ebao and Jubao Wealth Management, the sesame credit scores of friends have improved quite well, ranging from 65,438+10,000 to 200,000. After all, this sesame score is the same as your scoring rules in the bank. The more you use Alipay, the greater the benefits you bring to them, and the higher your score.

7. Support more public welfare projects on Alipay.

There are public welfare projects such as "ANT FOREST" and "Love Donation" on Alipay, so you can use more, feel more, make more friends and do public welfare projects together. Because experts have a very clear statement: "Most people who are keen on public welfare will not have bad credit." Because, with both financial resources and goodwill, the probability of malicious breach of contract is small, and at the same time, "birds of a feather flock together", people with reliable credit will not have bad credit of their close friends.

Summary: Alipay's personal rating has now become no different from the bank's evaluation system. As long as users try to use Alipay's services, pay more with Alipay, use it to pay more credit cards, use it to pay more utilities, buy more wealth management products, spend more money on public welfare and so on. Then your sesame credit will rise slowly. How many points is equal to how strong your interaction in Alipay is. The card god group reminds friends that the more comprehensive Alipay is, the richer the user's personal information will be and the higher the score of Sesame Credit will be. Although Alipay's sesame score does not represent your credit score in the bank, at least you can get to know a person from the side through sesame score. Now China has entered the credit society, and credit is an important asset. Learn to protect personal credit in order to enhance the value of your future assets. I hope this information will help my friends.