Since Alipay’s newly developed white-collar and school diary circle function on the 27th, Jack Ma has become really popular. Then the word “paying bustard” invented by national husband Wang Sicong hit the headlines and became a hit again. My circle of friends. The male beasts around Da Xia were beating their chests and could only look at their poor "sesame points of credibility" and complain that yet another great platform for finding a partner and hooking up with someone had turned them away!

You say that all good young people are ruined just because of a small "sesame score"...

In fact, the "sesame score" of 750 points is really not It’s very high and not difficult to achieve. I don’t agree with the idea that people above 750 are “tall, rich and handsome”. The prawn sesame points are more than 750, and it is not just a poor poor person (I feel sad here)~~~ Let’s get back to the topic, let’s talk to you today about what is the use of Alipay’s “sesame points”? How can I separate the sesame seeds?

First, let’s talk about the use of a high “Sesame Score”

Please refer to the picture for the viewing method

1. You can apply for a credit card online: Currently The credit cards that can be applied for include "China Everbright Bank, China Minsheng Bank and Shanghai Pudong Development Bank". There will definitely be more cooperative banks coming online in the future;

2. Small loan "cash loan": Currently there are Haofidai, Ant There are four loan products: Jianbei, Laiyi, and Guangfa Haoqian. Among them, Ant Borrowing is not open to everyone. You only need 600 Zhima credit points to apply for Haoqi Loan and Laiqi Loan, and the maximum limit is 200,000 yuan. To apply for GF Haobao, you must have a sesame score of 670 or above!

3. Consumption installment: currently includes two products: Qudian and Ant Huabei. The former is mainly a service provided for young people. With a Zhima score of 620 or above, you can get a credit limit of up to 10,000 yuan. It is similar to the same product as a credit card mall. You can repay in installments directly after selling goods in Qu Mall! Details of Ant Huabei Needless to say, mainly when Taobao shopping store owners activate Huabei payment, after everyone buys things, they can choose Huabei payment to get an interest-free period!

4. Credit package: Currently, two services, "China Unicom" and "Tmall Online Hall", are open. As long as the sesame score is above 650, you can apply for a credit purchase (however, I don't think this is useful. , the most annoying thing is the contract machine)

5. Green riding: Green travel is now promoted. If you have a Sesame score of 600 or more, you can waive the deposit and apply for a card. You can pass the "Yong'an Public *** Bicycle" and "Pofeng Cycling" has two platforms for renting bicycles for green riding; (it is definitely not popular enough and is more likely to be similar to some of the current ones such as "ofo" and "Mobike")

6 . Easy travel (rent a car without deposit): Those with a Zhima score of 650 and above can apply for car rental without deposit on the Shenzhou Car Rental and eHi Car Rental platforms. It is really convenient and is the most commonly used function of this prawn.

4. Travel accommodation and credit rental: If you have 600 Zhima points or above, you can enjoy deposit-free check-in on four platforms: Future Hotel, Tujia, Ant Short-term Rental and Xiaozhu. In addition, with 600 sesame points, you can enjoy discounts on monthly rent payments and deposit exemptions on apartments. Currently, there is a new Ukoyijia platform. As long as you have a Sesame score of 650 or above, you can enjoy discounts on monthly rent payments and deposit exemptions. There is also an additional moving benefit; I think this is quite suitable for people who like to travel and rent a house. Affordable.

6. Marriage and social networking: Sesame Credit can also be used on several larger dating websites such as "Zhenai.com", "Lily.com", "Century Jiayuan" and "NetEase Huatian" as well as the "Red Rabbit" social networking site Personal certification. When socializing online, you are most afraid of meeting people with bad character. This certification at least allows you to have a good understanding of the character of the person you are dating, so you don't have to worry too much about dating a "bad guy."

7. There are also services provided by third parties: I won’t list prawns here one by one, you can discover them by yourself.

Next, let’s talk about how to improve your “Zhima score”

The first thing you need to do if you want to improve your “Zhima score” is to first understand what are the review standards for Zhima credit score?

Knowing his review standards, we just need to prescribe the right medicine according to these five latitudes. Here are some methods to improve the sesame score summarized by this prawn based on his own wisdom and that of netizens to share with you:

Try to choose Tmall when shopping on Ali, preferably accounting for more than 60%, and don’t always buy low-quality and cheap goods (it is recommended to use Tmall installment and Ant Huabei payment more)

Don't change the shipping address all the time, especially the default address. It is best not to move it all the time, even if you are done shopping for others, try to delete it; just keep 1-2 delivery addresses (built on the stability of the Ali system)!

The mobile phone number bound to Alipay should be consistent with your default delivery address and the mobile phone number bound to your commonly used payment bank card (reliability)

Insist on participating in some Alipay's activities, such as "walking donation" or "charitable donation", the former is free, and the latter does not require you to spend much money;

If you want to pay water and electricity on Alipay, it is recommended that the number and address be the most It should be the same as your delivery address;

Do some financial management every month (note that when I say financial management, I don’t mean putting money in Yu’e Bao, that will not be very helpful in improving your score), you can participate The effect of ant treasure accumulation is very good; the monthly financial management amount should be greater than 20% of your monthly consumption amount.

Now Alipay also wants to build its own social circle, so if you have nothing to do, add more friends with higher sesame scores, clean up those zombie friends who never talk or produce transaction records, and ensure that your account The optimal number of active friends is around 20. (Communication is more important, please cherish it!)

If you have a credit card, you must use Alipay’s credit card repayment function. This will play a great role in determining your credit history and ability to perform contracts. ; But be careful not to bind too many credit cards. It is best to limit the number of credit cards to around 3. If there are too many, your debt will be under great pressure and your credit will be affected! (Credit cards are the best way for Zhima Credit to establish your credit in the early stage, so you must use credit cards to pay more and repay credit cards on time before borrowing!)

Plus data capture, Alipay has now begun to cooperate with external data to cross-verify your data and give you a more accurate evaluation rating, such as: vehicle information, academic information, Yingling, Maimai, Dingding, etc.!

Zhima Credit is based on the length of time that Alibaba has registered to capture the data source. That is to say, the Zhima score is not the higher, the better, but "time X (credit history + practice preference + contract performance ability + Identity characteristics + connections) - Liability = credit limit!

After getting these points, I believe it is not difficult for you to increase your Zhima credit score. At this point, I would like to remind you if you do it regularly. Due to the following things, Sesame credit scores may not rise but fall after the update!

Incomplete personal information will lower Sesame scores.

Receipt of goods is often delayed after online shopping. and payment (will lower your credit score)

If you don’t use Huabei, Borrowebei or fail to repay in time, the credit functions of Ant Financial such as Huabei and Borrower will be unable to be obtained by the system. Your credit rating data source. If you are overdue and unable to repay, it will be more harmful to Zhima points.

Use Alipay to take a taxi, and then let the driver down (it will lower your performance ability score)< /p>