Zhima Credit designs a credit scoring system based on people’s retained behavioral data (especially online behavioral data). Sesame Credit can conduct credit assessments on users by analyzing a large amount of online transaction and behavioral data. These credit assessments can help Internet financial companies make conclusions about users' willingness and ability to repay, and then provide users with quick credit and cash installments. Serve.

Essentially, Sesame Credit is a credit reporting system that will collect data from the government and the financial system. More importantly, it will fully analyze the user's behavior on Taobao, Alipay and social media. Record.

Uses of Sesame Credit:

1. Credit lending and credit consumption. When borrowing from Ant and Huabei, the amount you can borrow varies depending on your Zhima credit score.

2. Cycling with credit without deposit or card application. If you have good credit, you can ride private bicycles without deposit, such as Xiaolan Bicycle.

3. You can rent a car without deposit and travel easily.

4. If you have a high Sesame Credit score, you can pass through the expressway first and pay after taking the bus.

5. After your Sesame Credit score reaches a certain level, you can rent items without deposit, such as power banks, umbrellas, and clothing. You can sell second-hand mobile phones and digital products to get money first, and you can rent smartphones and Apple computers without deposit.

Extended information:

Methods to improve Zhima credit score:

1. Pay off credit cards in a timely manner to avoid overdue records.

2. When you can, do more social welfare. Helping others is also helping yourself - to put it bluntly, use Alipay to donate more.

3. Don’t just change your phone number. You don’t want to pay the phone bill if you owe it. This is what people who live around like to do.

4. For water, electricity and gas bills, remember to pay them in time when you see the reminder. Don’t rely on public agencies to dare to pull your gate or cut off your water. Your gas will continue to be cut off. Delinquent.

5. Do more things that reflect family responsibility, such as caring for your parents, children, and loved ones. Don’t just care about yourself when shopping online - this means using "Intimate Pay" more and helping others pay more.

6. Open credit cards, Huabei and other credit accounts. The sooner you use them and the more you use them, it will also be beneficial to improving your Zhima credit.

7. Make more friends with good credit. As the saying goes, birds of a feather flock together, and people flock together. If your friends generally have low sesame scores, it will also affect you.

8. There is no need to "buy, buy, buy" like crazy. Spending money on shopping with Alipay can only slightly improve your credit score, but it doesn't matter much.

9. If you buy something on Taobao, you must receive the goods on time and pay on time! If the system automatically receives and pays every time, your credit score may be affected.

Baidu Encyclopedia - Sesame Credit