After user authorization, Alipay Zhima Credit scores are based on information from various dimensions (covering financial lending, transfer payment, investment, shopping, travel, accommodation, life, public welfare and other scenarios), through artificial intelligence , cloud computing, etc. objectively present a comprehensive score of personal credit and are used to predict an individual's default rate in credit behavior. Generally speaking, the higher the Sesame Credit score, the higher the probability of keeping promises.

The role of Sesame Credit: When your Sesame Credit reaches a certain level, you can enjoy the following benefits.

1. Impact on consumer loans

Including Alipay loan (if you have a Sesame score of ≥600 points, you have the opportunity to apply for it), and Haoxian loan (if you have a Sesame score of ≥700 points, you have the opportunity to apply for it), There are also bank credit card applications and loans. Zhima Credit has successively cooperated with other financial institutions to use Zhima points as the basis for lending.

2. Deposit-free rental benefits

I love my family's apartment rental, with deposit exemption and monthly rent payment (with Sesame points ≥ 600 points, you have the opportunity to enjoy it); Sesame points ≥ 750 points Yes, you also have the opportunity to enjoy the deposit-free service.

3. Rent a Yongan city bicycle with no deposit (if you have a Sesame score of ≥600 points, you have the opportunity to enjoy it)

4. No deposit for hotel accommodation

A Sesame score of ≥600 points Those who have no bad records will have the opportunity to enjoy credit accommodation in many hotels on Alibaba Travel, with deposit-free and stay-now-pay-later services.

5. Car rental benefits

Those whose Zhima score is higher than 650 and have no bad records will have the opportunity to enjoy deposit-free car rentals from Ubaibike, Shenzhou Car Rental, eHi Car Rental and other third parties. Car rental agencies offer benefits such as deposit-free car rental and pre-authorization limit exemption.

6. Visa application

If the Sesame score is ≥700 points, you can apply for a Singapore visa; if the Sesame score is ≥750 points, you can apply for a Luxembourg visa, which can easily solve various previous documents such as deposit certificates, etc. Troubled by troublesome processes, more countries will join in the future.

7. Credit online shopping, try first and pay later

If you have a Sesame score of ≥650 points, you will have the opportunity to enjoy the convenient benefits of shopping first and paying later.

8. Renting items with credit

With a Zhima score of ≥600, you have the opportunity to rent some uncommon photography equipment, luxury goods, digital products, etc. without deposit on credit, which is convenient for short-term use and You don’t have to pay a high price to buy products, it’s convenient and affordable.

9. Credit discounts on food, drink, and entertainment

If you have a Sesame score of ≥650 points, you will have the opportunity to enjoy credit-exclusive discounts to purchase food, drink, and entertainment-related products/services.

10. Credit recovery

If you have a Zhima score of ≥580, you will have the opportunity to enjoy door-to-door pick-up and payment before mailing provided by platforms such as Xianyu, Huishoubao, and Guimahuishou. , high recycling prices and other multiple benefits.

More details of benefits can be viewed on the Alipay mobile client-Sesame Credit-Credit Life page.

Extended information

The composition of Sesame Credit Score:

1. Credit history: past credit account repayment records and credit account history;

< p>2. Behavioral preferences: preferences and stability in shopping, payment, transfer, financial management and other activities;

3. Performance ability: stable economic sources and personal assets;

4. Identity characteristics: enough rich and reliable basic personal information left in the process of using relevant services;

5. Personal connections: the identity characteristics of friends and the degree of interaction with friends.

The score range of Sesame Credit Score is 350-950 points.

Baidu Encyclopedia-Sesame Credit