Reward methods for credit history points increase include supplementary information, high credit limit, using more online shopping, purchasing more financial products, etc. The more related credit cards there are, the higher the credit limit, and the more frequent the repayments through Alipay, the greater the help for Zhima Fen’s promotion. The reason behind this is that doing so allows Zhima Fen to better understand the credit history and performance ability, through When shopping through online channels, Sesame may use this type of online behavior as a data source for credit evaluation.
1. Credit score increase
1. Use Alipay’s credit card repayment function more often and repay in time. Being able to repay credit cards in a timely manner can prove that the user has the ability to repay, performs well, and has high credibility.
2. Purchase more financial products on Alipay, such as Yu’e Bao, Entertainment Bao, and Zhaocai Bao. Although Yu'e Bao's income has declined, it is still stronger than bank current deposits.
3. Use Ant Financial’s credit function more often and repay your loans in a timely manner. For example, Alipay IOU, Jiebei, Huabei, Haofeng loan, etc. According to statistics from the editor of Rong360, more than 40 Internet platforms now support Huabei payment. Zhima Credit may use credit consumption as one of the data sources for credit evaluation. At the same time, good performance behavior will also help improve points.
2. Purchase financial management products
Purchase financial management and insurance products in Alipay, such as Yu’e Bao, or buy some cheap insurance, such as Alipay account security insurance, for a few yuan The money can be guaranteed for one year, which is also a guarantee for the safety of the account. Make quality friends, stay interactive, transfer accounts and send red envelopes, etc. Use Alipay for daily payment services, including fixed-line telephone, broadband, mobile phone, gas, water and electricity, etc. In short, use Alipay for anything that can be done with Alipay. A regular and regular life rhythm will definitely give users extra points.
To sum up, improving your credit score can lead to a higher loan amount, but you must pay attention to timely repayment, do not cause problems with your credit and affect your credit report, and pay attention to repayment. Pay the due date, and do not cause unnecessary trouble if it is late.