Most users who use Sesame Credit in their lives have a credit score of less than 750 as long as they complete the relevant information. In other words, 750 points is the watershed of sesame credit (I checked that my sesame credit is 7 14 points).
A person with a sesame credit score of 750 or above is a person with assets, except for a good sesame credit (trustworthy record, asset certificate, behavior accumulation, interpersonal relationship, and identity certificate). Only in this case will the system give you a score higher than 750.
I have taken the 8 17 exam myself. What level is it? The amount spent each month reaches 75,000 yuan.
I only read my 805 points, and I have not studied sesame credit specifically. I have just carefully analyzed all the details, and there are pictures and truth. The preliminary analysis is as follows:
1. I have paid my credit card with Alipay before, and it has never been overdue. Now I pay it back with a debit card, but the previous points have accumulated.
2. Huayuan's repayment is also timely and never overdue.
I borrowed it twice occasionally and returned it in time.
4. Taobao has shopping, the quantity is very small, and the unit price is above average.
A few years ago, I would immediately transfer my income to Yu 'ebao, and now there is no money in it.
6. There are many cards bound. Basically, all cards are bound, and there are about ten cards.
7. Water and electricity charges have always been paid by Alipay.
8. Before the fund was opened, it was a fixed investment, although it didn't cost much.
In fact, all the information is not perfect. If so, it is estimated that it will be higher.
To sum up, the high score of sesame credit lies not in how high the income is and how much shopping there is, but in the accumulation of daily credit.
People who pay more than 750 points in Alipay are a group of people with excellent credit. The evaluation of sesame score is comprehensively calculated according to personal credit record, behavior preference, performance ability, identity characteristics, personal relationship and other dimensions. I hope my answer is helpful to you. I like to pay attention to it and communicate with you.
Who are the people who score more than 750 points in Alipay Sesame?
Who could it be? Ordinary people.
I just looked at it, too, and it went up a little. I don't know so much just because I used it early, used it a lot, and kept my promise in repayment.
By the way, if you put your spare money in Yu 'ebao, you can earn a little money every day. I also bought some wealth management products, but I didn't borrow them. I use it every month, and there is an automatic repayment function, so I don't have to worry about overdue repayment.
I use Alipay because I can do some small good deeds. That's what I thought. I also recommend it to people around me. I often help them water and feed the chickens. Great charity can't be done, and small accumulation can help others.
Attention: Only when rice, oil, salt, wine, poetry and flowers are used can a happy life bloom happily.
There are many transactions with Alipay, with good credit and no default.
Even for ordinary people, the score of Alipay Sesame Credit is still difficult to improve. Many people say that Alipay scores are very high after application, even reaching 800 points directly. This situation does exist, but it is only an example. If you are just an ordinary person, the credit score of Alipay is normal before 400~600 for the first time, and then it will increase by 1~6 points every month during the use process, and then there will be a qualitative increase by enriching your personal data, such as real estate, education, car, work, etc. After these are enriched, if the previous credit is good, it may rise to around 600.
However, if you are a college student, the scores after application are generally high. I once saw a student get 740 points after opening sesame credit, but my initial test score was only 560 points.
The above is my personal Alipay score. Let me talk about what I have done in Alipay in recent years. I spent about 700 times on Taobao. Flower buds are all bought by stages. I put some money in Yu 'ebao, bought insurance for myself in Alipay and participated in mutual insurance.
I have fulfilled the contract 75 times, and I spent some sesame seeds. There are still 270 yuan left, but this thing is useless, it can be used to donate things. If let me summarize how Alipay sesame points are accumulated.
In fact, it is very simple, that is, complete your personal information, especially education, assets, housing, car (I am incomplete), and your credit score will be improved.
In addition, we should pay attention to the use and borrowing of flowers, and remember to pay back the account on time. After each repayment, this is an important indicator to accumulate our credit. The more mature we accumulate, the better our credit will be and the higher our sesame score will be.
Most of the people above 750 are ordinary people.
I think there are several reasons why the score is so high.
First, Alipay has been opened for a long time, and the sesame score of old customers has gradually increased.
Second, the increase of Alipay points is conditional and will be increased according to its conditional weight.
Third, there are no people who are maliciously overdue. Flower buds, people who borrow well generally have higher Alipay scores.
Mostly ordinary people. Normal life, normal income and normal consumption are generally 750 points.