A Sesame Credit score of 700 or above is considered excellent.

ー. Zhima score 350-600: poor

This score is mainly for newcomers who have just opened Alipay or users with poor credit records, such as some serious breach of contract. . Sesame Credit, which is valuable in this range, is relatively poor. Many functions are limited. You can only simply use basic functions such as third-party payment, mobile fast payment, quick transfer and withdrawal, and living payment.

2. Zhima Credit Score 600-650: Medium

Currently, many people’s Zhima Credit Score is between 600 and 650 points. This score can only be regarded as an average level, basically You can enjoy the financial credit business and other functions. For example, the minimum requirement for Ant Borrowing must be above 600.

3. Sesame score of 650-700 points: excellent

The number of people with sesame score between 650 and 700 should be the largest. Users in this score range can enjoy deposit-free riding, and some hotels, power banks, and umbrella rentals can be rented without deposit, etc.

4. Sesame score 700-950 points: very excellent

Sesame score in this range is relatively excellent. People who can reach this score should not have too many basic conditions. Difference. These users basically have no breach of contract, and their Alipay accounts are very active. Users with this score can enjoy some special rights. For example, users with a Sesame score of 750 can apply for an international visa report online.

To understand which group of people have high Sesame scores, let’s first understand the standards for Sesame score evaluation.

Currently, Sesame points are evaluated once a month. The reference factors for evaluation include five dimensions: credit history, behavioral preferences, contract performance capabilities, identity traits and personal connections. When some of the user's behaviors match the requirements of these five dimensions, the Sesame score will be relatively high.

Generally, people with higher sesame scores mainly have the following characteristics.

First, repay credit card loans on time. Whether it is a bank loan or other loan or a credit card debt, as long as it is on the credit report or not, the Zhima system may identify it, so if you want to get a higher Zhima score, you must repay the loan on time.

Second, Alipay is relatively active. The activity here includes all activities of users within the Alibaba system, such as shopping on Taobao, Tmall, Yu'ebao, Zhaocaibao financial management, Ant Forest activities, transfers, offline consumption, donations, etc., the more involved everyone is The higher the score, the easier it is to increase your sesame score. For example, every time you shop or manage money, it will help increase your sesame score.

Third, our own conditions are relatively good. The conditions mentioned here are relatively good, including academic qualifications, occupation, personal assets, etc. Generally speaking, people with a college degree or above have higher education than other people. Employees in civil servants, public institutions or Fortune 500 companies have higher education than other professions. People with houses and cars have higher education than other people without houses or cars. Higher credit score.

1. Sesame score between 350-600: indicates poor credit

The main people with this score are newcomers who have just opened Alipay, or those with poor credit transaction records in the past Users who have defaulted on their credit in the past. If you compare the value in this range, Zhima Credit is relatively poor. Not only will many credit functions be restricted in use, but you can only simply use some basic functions of Alipay such as payment functions, quick transfers and withdrawals, and daily payment.

2. Zhima score between 600 and 650: means moderate credit

Currently, Zhima credit score is between 600 and 650. There are many people. The score at this stage is It can only be regarded as an average level, but you can enjoy the basic financial business functions of Ant. For example, the minimum required Sesame points for Ant Borrowing must be above 600 before you have the opportunity to activate it.

3. Sesame score between 650 and 700: It means excellent credit

Nowadays, the number of people with sesame score between 650 and 700 can be said to be the most. Users in this score range can enjoy more advanced deposit-free services, such as deposit-free borrowing at ***Xiang Bike Tours, hotels, ***Xiang power banks, ***Xiang umbrella rentals, etc.

4. Sesame score of 700-950: Indicates very good credit.

Nowadays, not many people have Sesame score of 700-950, because Sesame score can reach this value. People, the basic conditions should not be too bad. These users have basically never committed any breach of contract, and their Alipay accounts have high monthly activity. Users with this high score can also enjoy some special rights and services. For example, users with a Sesame score of 750 can apply for international visa reports online.

Currently, Sesame points are evaluated once a month, based on five major factors including credit history, behavioral preferences, contract performance capabilities, identity traits and personal connections. When some of the user's daily usage behaviors involve the matching of these five dimensions, the Sesame score will be relatively high, showing an incremental effect

As the saying goes, birds of a feather flock together

First, credit card loans need to be repaid on time. Whether it is a bank loan, other third-party platform or credit card debt, whether it is listed on the credit report or not, the Zhima sub-system may be able to identify your record. It is worth mentioning that now we can Search "Liancha" on WeChat to understand your credit index and degree of online blackmail, as well as overdue behavior, credit verification, etc. Therefore, if you want to get a higher Sesame score, we must repay the loan on time.

Second, the activity of using Alipay to pay is relatively high. The activity here includes all user behaviors within the Alibaba system, such as Taobao shopping, Tmall, Yu'e Bao, Ant Forest, transfers, offline consumption, donations, etc. The higher the participation, the higher the Zhima points. Easy to lift up. The more you use it, the higher it will be.

Third, personal conditions are good sources of judgment, mainly academic qualifications, occupation, assets, and marriage. Generally, if you have a college degree or above, your sesame score will be compared with other high schools. People with higher junior high school education, civil servants, employees of Fortune 500 companies, and people with houses and cars have higher credit scores than other people without houses or cars.

According to Alipay’s own classification, below 550 is considered poor, 500 to 600 is considered medium, 600 to 650 is good, 650 to 700 is excellent, and above 700 is excellent. Although a score of 700 or above is considered excellent, it can only be said to be average. Because Alipay is doing marketing and giving users a sense of honor. In fact, most credit scores are excellent or excellent as long as the credit is not extremely bad, but the higher the score, the higher the score. The harder it is to get points.

I currently have a score of 802. I originally thought that a score of over 800 was already very high, but I didn’t expect that my classmates are over 830. There are always people outside the world, and there is always a sky above the sky. However, according to Alipay's recommendation, most of the credit functions can be used if you have a score of 600 or above, such as credit leasing, mutual guarantee if you have a score of 650 or more, no deposit is required for car rental, and a credit visa is available if you have a score of 700 or more.

Hello, question author, I am very happy to answer your question. My Alipay Zhima score is 734. I hope my answer can help you.

Zhima Credit Score is a system used by the Alipay platform to measure user credit. It quantifies component values ??based on user behavior. The higher the score, the better the user's credit.

The range of Sesame points is 350-950. From this point of view, 700 points is considered to be an above-average level at best. In fact, most of my colleagues and friends have Sesame scores above 700, so I think this is normal.

Although a score of 734 is not high, in order to describe it more accurately, let me first talk about my situation. I performed real-name authentication on Alipay. I used to work in a state-owned enterprise, had five insurances and one housing fund, and had good car and house loan repayments. I mostly use Alipay for daily payments and living expenses, and sometimes I save some money in Yu’e Bao. I often ride shared bicycles and often steal energy from my friends Ant Forest.

Although my score is not high, by chance I met a person with a Sesame score of 850. His situation surprised me.

Last weekend, I went shopping for groceries and passed by a deli. I wanted to buy some deli on the spur of the moment. It took a few minutes to go in to see the fresh deli food. While waiting, I overheard a conversation between two deli apprentices. A young man about 20 years old said that his Sesame score was 850 points. Another boy didn't believe it. He took out his mobile phone and saw that it was indeed 850 points.

Their conversation caught my attention.

The first boy said that all his payments are made through Alipay, and his monthly salary of 2,000 yuan is deposited in Yu'e Bao. His daily expenses are paid through Huabei. He often uses Alipay to pay off his credit cards. He rides a bicycle to and from get off work every day. I have already planted 2 trees by saving Ant Forest energy. In the long run, not only did the deposits and interest rates increase, but the sesame points also gradually increased to 850 points.

From this point of view, people with high Sesame scores must be particularly trustworthy people and must be people who often use Alipay.

Let me post a picture first. My Zhima credit score is 774, which is an excellent credit rating.

Alipay’s Zhima credit score is mainly evaluated comprehensively from five dimensions, including credit history, behavioral preferences, contract performance capabilities, identity traits and personal relationships. Sesame points are the result of comprehensive evaluation and cannot be quickly improved through unilateral actions. A score of 700 or above is considered an excellent credit rating. The highest score is 950, but I have never met anyone with a score of 950. My score last month was 772 and I gained 2 points this month.

Those with high Zhima credit scores must be able to repay on time, have no bad records, use Alipay more frequently, and have better personal conditions and connections. So far, I have twenty or thirty Alipay friends. Already. I’m not very clear on how to improve my Zhima score, but I think repaying your debt on time, choosing Alipay for living expenses, traveling green by public transportation, and parking your bicycle at designated locations can all improve your Zhima credit score. I am proud of my credit score and strive to get closer to 950!

In the past, borrowing money was based on credit, but in today's society, people are a little scared if they borrow money from acquaintances. The person who asks is afraid that not being able to borrow money will hurt their feelings, and the person being borrowed is thinking about how to evade or borrow money. It's about when you can pay back the money you borrowed. It's not like there's a saying: It's all the uncles who owe money now.