How to check Zhima score? The reason why the score is rising slowly is due to these reasons
Zhima score is a credit system launched by Alipay. It has reference significance for users’ credit judgment. How to check Zhima score? I believe many users would like to know that this is related to some of our Alipay rights and interests. Here are detailed query steps for you. I hope it will be helpful to you.
1. First, find the Alipay wallet application icon on your phone and click to enter the Alipay wallet account and password input interface.
2. Enter the correct Alipay account number and password to enter the Alipay wallet homepage.
3. Next, switch to the wealth button at the bottom of its main interface and click to enter.
4. We will soon see the Sesame Credit score at the bottom of its wealth page.
5. Finally, click Sesame Credit Score, and the system will automatically give you the Sesame Credit Score.
Sesame points, commonly known as credit points, are Alipay’s comprehensive evaluation of users’ creditworthiness. The higher your Sesame Credit score, the better the treatment you will enjoy in Alipay.
Most people’s understanding of credit lies in loan, employment, insurance, and renting. Jack Ma has broken this concept and let’s see how important credit is in Jack Ma’s eyes and in Alipay.
Users with a Sesame score of 750 or above can apply for a Luxembourg "credit visa" through Alibaba Travel. When applying for a Luxembourg visa online with Sesame Credit, users can pay less documents such as asset certificates based on the circumstances of each applicant.
Applicants with better credit are required to submit less materials. The less required materials may include proof of employment, proof of income, household register, copy of ID card, payment voucher for air tickets and hotels, etc.
On Alibaba Travel’s “Quaa” e-visa platform, users with a Sesame score of more than 700 can apply for a Singapore visa without providing proof of employment, personal information form, household register, copy of ID card, etc. material.
The 500 yuan reserve fund of Sesame Points 650 benefits. As the name suggests, Alipay reserve fund is to temporarily solve the embarrassment of users' emergency lack of money. Therefore, the product limit is only 500 yuan and can only be used every month. twice. However, it should be noted that the application for reserve funds does not require any interest or fees, and only requires users to return it within 7 days.
This function also requires Sesame Credit as one of the conditions; specifically: Ant member level is gold member and above, Sesame score ≥ 650 points, no negative record of Sesame Credit; age is 18~70 years old , and is a resident of mainland China.
However, many netizens said why their scores increased so slowly, or even did not increase by one point? Now let me tell you the real reason.
Reason 1: Various living expenses are not paid on the Alipay platform, such as water, electricity, gas bills, broadband fees, etc.
Reason 2: Frequently changing the bound number. Yu Wujie, chief credit data scientist at Ant Financial, once said, "The longer a mobile phone number is used, the higher its credibility and the more trustworthy it is."
Reason 3: Huabei and Borrowebei are overdue repayments. Users who have used Huabei, Jiebei, or credit cards who do not repay on time will have their credit scores greatly reduced. This must be remembered.
Reason 4: Online shopping delivery addresses change frequently. If a user's shipping address changes frequently, the system will consider his income to be unstable and inferior to customers with stable shipping addresses.
How to check Alipay Zhima Credit Score?
The method to check Alipay Zhima Credit Score is as follows:
1. On the mobile desktop, find the "Alipay" client and click to enter.
2. After entering the Alipay main page, click My in the lower right corner, then find the "Sesame Credit" item and click to enter.
3. After entering Sesame Credit, you can view the latest personal Sesame score. To view specific details, you can click on the score to enter.
Extended information:
Sesame Credit (SesameCredit) is an independent third-party credit agency under Ant Financial. It objectively presents an individual’s credit status through cloud computing, machine learning and other technologies. , has provided credit services to users and merchants in hundreds of scenarios such as credit cards, consumer finance, financial leasing, hotels, rentals, travel, marriage and love, classified information, student services, public sector services, etc.
Zhima Credit Score is Zhima Credit’s comprehensive processing and evaluation of massive information data, which mainly includes five dimensions: user credit history, behavioral preferences, contract performance capabilities, identity traits, and personal connections.