What is the score of sesame credit?

If the sesame credit reaches 650 points, it can be regarded as a good or excellent credit rating.

Generally speaking, sesame credit score can be divided into five grades, the specific grades are as follows: 350 to 550 points belong to credit difference; 550 to 600 points belong to medium credit; 600 to 650 points belong to good credit; 650 to 700 points belong to excellent credit; A score of 700 to 950 is considered as excellent credit.

Sesame credit score calculation is mainly divided into the following five aspects.

1. Identity (15%): Sufficient and reliable personal basic information left in the process of using related services;

2. Behavior preference (20%): preference and stability in shopping, payment, transfer, financial management and other activities;

3. Personal relationship (5%): the identity characteristics of friends and the degree of interaction with friends;

4. Credit records (35%): past repayment records and credit account history;

5. Performance ability (25%): Enjoy various credit services to ensure timely performance.

How to Improve Personal Sesame Credit Score

1. Spend more: As long as the money you spend can be used to pay, spend as much as possible, preferably by stages, so that a certain amount will be repaid every month, and each repayment is equivalent to performance.

2. Use Alipay to transfer money more: The more times you transfer money, the greater the amount, and the higher the sesame credit score.

3. Pay back the credit card with Alipay: Pay back the credit card regularly every month, and at the same time, the banking system can find out your spending power level to some extent.

4. Pay miscellaneous living expenses with Alipay, such as telephone, water, electricity, gas, broadband and property.

What's the use of sesame credit score?

1. Increase personal spending;

2. Open various online loan services, such as borrowing treasure, good term loan, online merchant bank loan and so on;

3. You can apply for a tourist visa;

4. Rent a car or rent a car on Alipay platform without deposit;

5. Stay in the hotel and enjoy zero deposit treatment;

Sesame score can be said to be an evaluation standard of credit loans. The higher the score, the easier it is to get a loan and the higher the loan amount will be. Common products, such as flower buds, are the products with the lowest application threshold. As long as your score is above 650, you can blossom. There are also ants to borrow, and there is a chance to open it after 600 points. Sesame points are very important for borrowing money.

In addition to spending money and borrowing money, Alipay also has reserve funds and new insurance services. The reserve fund can only be used by gold members with sesame score above 650. Mutual treasure is a new insurance service launched by Alipay. As long as you pay a little money every month, you can share it when you encounter a serious illness.