Sesame credit score, in short, is the credit score obtained by ant financial services after processing, sorting and calculating personal user information. The score range is 350 to 950. The higher the score, the better the credit. A higher sesame score means better financial services. So, how to improve Alipay sesame credit score? Let's take a look at what the old driver said, and teach you to quickly upgrade to 900.
Sesame credit is divided into five levels:
Grade I: 700-950, excellent credit
Grade II: 650-700, excellent credit
Grade III: 600-650, good credit
Grade 4: 550-600, medium credit
Grade 5: 350-550, poor credit
If you have high sesame credit, what kind of financial incentives do you have? Let's summarize it for you.
Most people are talking about how to improve credit score and so on.
Often buy things on Taobao Tmall, often use Alipay to pay utilities, and so on. Bank cards are bound to several social security, provident fund, insurance and so on. Credit card, use Alipay AA to eat, pay for the movie with panning ticket, and share a bike with Alipay. Are you hungry? Takeout is made with Alipay. With didi taxi or hamburger members, KFC members and so on.
It's okay to donate a small charity, water and water in ants forest, and all businesses on Alipay will have a try.
Buying things on Taobao can choose Alipay's credit card payment method, while SPDB credit card and CITIC credit card are all Alipay payment. In this way, credit card and sesame score increase credit at the same time.
Another is the usual transfer flow, if the water is higher, the amount of sesame credit and loan that Alipay gives is very high.
1. Personal data must be improved
Under sesame credit homepage, there is a column of "credit management". For personal information, please fill in everything you can.
Education can show your income level;
Bind the company's mailbox - if it is large, state-owned or foreign-funded, it will get good bonus points and determine the stability of income;
Professional information - related to LinkedIn, etc., and the third party proves that your information is true;
Overseas credit report - this is a very important circumstantial evidence that few people have;
Vehicle information - proof of personal property capacity;
Provident Fund - through it to push back your income level;
Credit card bill - specify the level of credit consumption.
2. More bank cards
Not all bank cards are tied up with Alipay, but there are still more to be tied up. 2 or 3 credit cards, 3 or 4 savings cards, and sesame credit can be more funds exchanged through the tied cards, so that sesame credit will determine your disposable income level.
3, we must use Alipay's' credit card repayment 'and' life payment 'functions.
'credit card repayment' through Alipay can make sesame credit understand your basic credit level, consumption level, ability to control wealth, monthly repayment of the best ten thousand; 'mortgage repayment' is similar; and 'life payment' in the important "hydroelectric coal, property" payment, using Alipay to pay, will make sesame credit clearer the stability of your place, because only the liar and life. Unstable people always change places.
Friend's experience:
1, all kinds of scenes that can be used in Alipay use Alipay.
Including but not limited to: Taobao, tmall, meituan, Volkswagen, Didi taxi, 12306, as well as offline KFC, McDonald's and other restaurants, hospitals, hotels, entertainment venues, from less to more, not necessarily a large amount each time, but must use more frequently, the total amount reached the correct level, so sesame credit can judge whether your consumption desire and your income level match , so as to improve your scores more justly.
2. More open and more use of sesame credit related business
For example, use sesame's own functions of "credit residence" and credit car rental, etc. for the same reason. At the same time, open and use the quasi credit card business of "ant flower" and the loan service of "ant loan". What's more, the latter two businesses, after the bill appears, should make the active repayment as soon as possible, and do not wait for the final repayment date to operate. The active repayment is also the key to measure whether the financial resources are sufficient. Of course, it's still the principle of borrowing more and paying back more. For example, friends spend thousands of money every month and use it several times, each time tens of thousands of times. In the early stage, sesame scores rose well.
3. Deep participation of yu'ebao and ant Jubao financial management projects
In fact, just like the bank, the more money you deposit here, the more direct your financial resources are. The more assets in the ant system, the more sesame credit can be obtained, the more friends can get sesame credit because yu'ebao plus Jubao financing, the less is 100000 yuan, the more is 300000 yuan, and sesame credit score has been greatly improved.
Other experience of experts:
More support for commonweal projects on Alipay.
On the Alipay, there are "ants forest" and "love donation" and other public welfare projects, which can be used more, feel, and add more friends to do public welfare projects. Because experts have a very clear statement: 'most people who are keen on public welfare have good credit. "They are not only financial, but also kind-hearted, with a small probability of malicious breach of contract. At the same time, the credit of those who are" like birds of a feather, like birds of a flock "and have reliable credit will not be poor with their close friends.