According to relevant public information, there are one billion people using Alipay in China, and the highest sesame credit score is 950. 90% of users have a sesame credit score of 500-700, only 5% have a score above 800, and 0.085% have a score above 850, which is 85 million people.
Sesame credit is divided into five grades: 350 to 550 points belong to credit difference; 550 to 600 points belong to medium credit; 600 to 650 is considered as good credit; 650 to 700 points are excellent credits; 700 to 950, excellent credits.
People with a credit score of 800 or above should have two characteristics: good assets and credit status, and more use of Ali products.
Methods of improving sesame credit:
1, mostly on Ali e-commerce platforms such as Tmall, Taobao and Juhua. Of course, online shopping is also particular. Don't always look for some cheap goods, but also buy more big items such as home appliances, fitness equipment and handicrafts.
2. Make more use of Alipay credit card repayment function to make timely repayment. At present, Sesame Credit is not connected with the central bank's personal credit information system, and the credit information records are mainly the repayment records and credit account history of past credit accounts. Since there is no personal loan record, credit card repayment record is particularly important.
3. transfer money with AliPay. The personal relationship between Alipay users is based on transfer and payment on behalf of others. If you keep in touch with your friends frequently, your credit score will be much higher.
4. Buy more wealth management products on Alipay. At present, Alipay not only has Yu 'ebao, but also has access to Lucky Treasure. The greater the amount invested by users, the more frequent it is, and the higher the score will naturally be.
5. Apply the life service provided by Alipay. Such as water, electricity and coal payment, rental information, hotel air ticket reservation and other functions.
6. More love donations. At present, Alipay has an entrance for love donation. If you donate regularly, regardless of the amount, the accumulated credit will naturally be higher than those who don't donate.