Zhima credit scores are divided into 5 levels: 350-550 points, poor credit, belonging to the lowest level; 550-650 points, medium credit, belonging to the medium level; 650-700 points, good credit; A score of 700-750 means excellent credit; a score of 750-950 means excellent credit.

Many of Alipay’s services rely on Sesame Credit scores. Usually, the higher the score, the more benefits you will enjoy. The familiar Huabei, Jiebei and Zhima credit scores are also closely related. Under the same conditions, the higher the Zhima credit score, the larger the Huabei and Jiebei limits will usually be.

Methods to improve Zhima Credit Score

1. For daily online shopping, try to purchase on Alibaba’s platforms such as Taobao and Tmall.

2. Activate Huabei through payment, use Huabei frequently, and repay on time. This is the most obvious bonus.

3. Personal information must be completed. This bonus point is also very obvious.

4. For daily payment, use Alipay to pay directly, such as: telephone, broadband, gas, water, electricity, etc.

5. Alipay must be bound to a credit card, and all repayments must be made with Alipay! This bonus is more obvious.