Everyone with a Sesame score of 900 or above is a rich person. One of my friends has a Sesame score of over 900. As far as I know, this person buys things on Taobao almost every month. The minimum is tens of thousands of yuan, and his monthly Huabei bill is at least more than 30,000 yuan.

And he often likes to play Alipay. We often see him play in Ant Manor and Ant Forest. We usually open our mobile phones to play WeChat, but he opens his mobile phone to play Alipay, and his Sesame points can exceed 900. , I think this is also a main reason.

There are indeed many benefits to having a high Sesame Credit score, which can be seen directly from him. I once opened his Alipay and took a look. He has opened almost all the permissions in Alipay. The loan amount reached a huge amount of 230,000, and the interest was also 0.025, which was really enviable.

In recent years, with the popularity of Alipay, Zhima Credit Score has become more and more familiar to people. What people care about most is the function of Zhima Credit Loan. There is no doubt about this. I think everyone’s purpose is to improve Zhima Credit Score. Basically, it is to allow borrowing and spending to reach a higher limit.

So what are the uses of Sesame Credit points? How much can you borrow with a Sesame Loan?

The answer is many uses! A lot of money, let’s take a look at the picture:

I have been using Huabei regularly in his way during this period, but my Sesame score still has not exceeded 700. In the past few months, although every The monthly increase is 3 points, but according to this growth rate, it will take several years for the sesame points to rise to 900. How many sesame points do you have? What methods are used to increase the sesame seeds? Welcome to leave a message for discussion.

Sesame Credit is an independent third-party credit reporting agency under Ant Financial, which objectively presents an individual’s credit status through cloud computing, big data and other technologies. The current Sesame Credit score consists of five dimensions: credit history, behavioral preferences, contract performance capabilities, identity traits and personal connections.

Zhima Credit Score is divided into 5 levels, ranging from 350 to 950. The difference between the highest level and the lowest level is 600 points. At present, most people's scores are between 550 and 800 points. It is said on the Internet that Peng Lei, chairman of Ant Financial, only has more than 800 points. So are there any people who have scored more than 900 points?

In reality, the highest score I have seen among my friends is 880, and I have never seen anyone with a score above 900. However, through searching on the Internet, we can see that there are indeed people who have reached more than 900 points, and the score is 919 points.

Take me as an example. My Alipay credit score is 729. I have entered my personal car, house, employer, driving license, education and provident fund information on Alipay. There has never been an overdue payment, and all credit cards bound to Alipay have never been overdue.

Alipay Huabei gave me a limit of 30,000, which should be said to be above average, proving that my personal conditions are barely adequate. However, my Zhima Credit Card has been at 729 for almost a year, and there has been no change. .

According to Alipay’s suggestions, we should enrich contract-keeping behaviors, etc. I personally think that I should strengthen the use of Alipay’s products, because I rarely use Alipay. I am a otaku and I will rarely shop online for more than ten times a year. Every time, all kinds of expenses such as mobile phone bills are deducted from my own bank card, and for financial management, I basically purchase my own bank’s products, so I don’t put any assets in Alipay, and I don’t have much consumption.

My colleague’s score is over 880, and the information he binds is basically the same as mine. The only difference is that he often shops online and uses Alipay to pay utility bills, phone bills, and purchase takeaways. We are just an ordinary bank. He is just an employee, and he is only about ten points away from 900 points. If he transfers all his deposits and financial management to Alipay, then it should be quite possible to get a score of 900.

So although it is difficult to score 900 points, if the basic conditions are similar and you frequently use Alipay's various products, then it shouldn't be an extremely difficult thing.

Of course, people with a score of 900 are not necessarily rich, but the overall personal conditions should not be too bad. After all, the proportions of the five dimensions in the modeling of Sesame Credit scores are similar.

Sesame points above 900 are real, there is no need to doubt this. Most people's Zhima score is around 650, and those with scores above 700 are considered good. They use Alipay frequently and have no breach of contract.

Many people will ask, what is the use of a high score? According to Alipay, a high score indicates good credit and you can get some deposit-free services. Some user ratings of many third-party Internet services are Call sesame points, so sesame points are very useful.

Does it mean that the higher your Zhima score, the more Huabei and borrowing credits you can get? In fact, this is not the case. Huabei and Jiebei are financial products of Alipay. Their quotas and Ant points are only one reference. The most important reference is Ant Financial’s consumption big data, which can determine the spending power and payment of different people. ability, thereby giving the corresponding amount. Therefore, it is normal for people with 600 points to have a higher quota than those with 700 points. If there is no higher score, there must be an advantage.

Usually, the Sesame score should not be less than 600 points. If the score is less than 600, there will be a big problem. Many Internet ecosystems related to Alipay will reject groups with scores below 600, which means that the credit level is average. In the future, more services will be connected to Sesame Credit, so it is very important to ensure good Internet credit.

Thanks for the invitation! The highest Sesame score for an individual Alipay user is 950. The highest Sesame score I have ever seen is 879. I have never seen anyone with a Sesame score over 900. However, I think Alipay has 800 million users. It is certain that a Sesame score will exceed 900. Yes, and there are not many. After all, even my friends in this fifth-tier city have reached 879 points. What’s more, there are definitely not a few Alipay users in big cities who have Sesame points of more than 900 points.

People in big cities as well as small 5th-tier cities like me have become familiar with the Sesame Score in recent years. It’s not because you can ride a bike without a deposit if your Sesame Score is high, nor is it because you have a high Sesame Score. The fundamental reason why you can rent a power bank without a deposit is because with a higher Zhima score, you can open Jiebei and Huabei. With a higher Zhima score, you can borrow money and Huabei with a higher limit. This is because you can borrow money with a Zhima score, so with a Zhima score It is only well-known to people in fifth-tier cities like me (in fact, there are no private bicycles in small counties like ours, and you can’t ride them even if you want to). Therefore, the biggest use of Sesame Points for people like us is to help open and increase the amount of Jiebei and Huabei. Of course, Sesame Points have more uses. Let’s take a look at the picture.

So how can you improve your sesame score? This question is something we all often think about. In fact, I have a little tip for this problem. This tip is "return". I don't know if you have noticed that every time we buy something online through Alipay, if we return it If it succeeds, a trustworthy record will be added to our Alipay. According to my observation, as long as there is a trustworthy record every month, the sesame points will almost increase by more than 2 points. This little trick is a bit damaging, and it is impossible to increase without limit. It’s a little expensive, but it’s still much better than a one-point increase a month.

I hope this method can help some people, but I also advise everyone not to use it. After all, this little trick is too damaging and loses our noble moral character. It is of no use if it is used too much. Finally, I want to ask How much is everyone’s sesame points now? My sesame points are 823, I borrowed 180,000 and spent 38,800. How is everyone’s?

There are techniques to get high Zhima Credit scores by brushing them up

In the credit system created by Alipay, its evaluation mechanism is completely open. The evaluation of Zhima Credit Score It is divided into five layers: identity, history, connections, behavior, and contract performance capabilities. Each of these five major aspects is divided into several small aspects, but the overall evaluation mechanism is still based on the five major aspects. Everyone must be familiar with their usual identity, history, connections and ability to fulfill contracts, but in the behavioral system, it is possible to achieve high scores through artificial means.

It was mentioned in Alipay’s interpretation of Sesame High Score that in the general aspect of behavior, you can improve your corresponding score through some public charity. According to relevant statistics from Alipay, users who often do some public charity activities through various channels in Alipay have a Zhima score that is 30 to 50 points higher than ordinary users. So I personally believe that there must be great people with a score of 900 or more. It’s just that there are fewer of them.

What is your Sesame Credit score? Have you ever seen users with scores above 900? Welcome to leave a message below to discuss together.

Sesame Credit is an independent third-party credit reporting agency under Ant Financial, which objectively presents an individual’s credit status through cloud computing, big data and other technologies. The current Sesame Credit score is composed of five dimensions: credit history, behavioral preferences, contract performance capabilities, identity traits and personal connections and other comprehensive indexes for scoring.

We generally divide Sesame Credit scores into five levels, from low to high, ranging from 350 to 950. The difference between the highest level and the lowest level is 600 points. At present, most people's scores are between 550 and 800 points. However, according to online rumors, Peng Lei, chairman of Ant Financial, only has more than 800 points. Is there anyone who scores more than 900 points in real life? Woolen cloth?