Is sesame credit medium reliable, how much is sesame credit excellent

Sesame Credit is an independent third-party credit bureau under Ant Financial, which objectively presents an individual's credit status through cloud computing, machine learning and other technologies, and has provided credit services for users and merchants in hundreds of scenarios such as credit cards, consumer finance, financial leasing, hotels, renting, travel, marriage and love, classified information, student services, and public utility services.

If you have a need for funds, our bank has launched unsecured and unsecured credit loans, as well as mortgage loans and mortgage loans for houses and cars, different loan application conditions and requirements are different, whether the approval is successful is assessed according to your comprehensive qualifications, you can log in to Ping An Pocket Bank APP-Finance-Loans, learn more and try to apply.

What does sesame credit mean in medium.

Sesame Credit. Excellent, it's between 700-950.

1. Sesame credit rating from lowest to highest is 700-950 (mark) - 650-700 (excellent) - 600-650 (good) - 550-600 (middle) - 350-550-550 (poor).

2. However, although Sesame Credit has a grade, this rating does not really mean that the user's credit is not good. In general, when signing up for a co-pay account, arugula.

The credit score is 350. After completing the identity authentication, multiple transactions such as mobile phone charging and shopping can quickly rise to 600 points.

3. If you need to improve your Sesame Credit Rating, you need to constantly measure whether you can meet the standards. The first is to look at your spending behavior, shopping, hotels, flights and travel are all within this reference range. Secondly, it depends on your identity, including your educational background, school status, professional qualifications, consumption records and other information.

It also depends on your performance and whether you can repay the loan on time. Connections also need to be referenced, keeping track of friends and financial relationships. Whether there is a bad record of loans and credit cards, and whether there are illegal operations on the platform, these also need to be seen.

Extended Materials. 1. Sesame Credit belongs to Ant Financial.

It is an independent third-party credit bureau, which will use cloud computing and machine learning.

and other technologies to objectively and truthfully present the credit status of individuals. So far, Sesame Credit has provided credit services to customers in a variety of industries such as credit cards, financial leasing, hotels, leasing, student services, consumer finance, and public utility services.

2. Sesame consumer finance belongs to Sesame Credit. Back on January 5, 2015, the People's Bank of China.

A notice has been issued to allow 8 institutions to prepare for the establishment of personal credit reporting business, and many people think that this is China's personal credit reporting system.

It's okay to look at it this way. Applicable conditions: Different banks have different conditions for applying for loans, such as credit status, income, repayment ability, etc.

When a loan company applies for a loan, it mainly depends on whether it has the ability to achieve and personal creditworthiness. Borrowers with debts can also borrow from banks or loan companies, as long as they can provide relevant information. Compare loan interest rates.

Credit loans are less risky than loans, and interest rates may vary from one bank to another. Compare approval speed: There are many banking processes and the approval time is longer.

The loan may be available in about 20 business days at the earliest. The procedure of the loan company is simple, the approval is fast, and it takes 10 business days to get the loan. Compare loan limits.

Poor Sesame Credit means that the user has a bad default record such as overdue on Alipay, or because of high personal debt, as long as there is a credit default on Alipay, then it will affect the Sesame Credit score, resulting in poor Sesame Credit. It is recommended that users maintain good consumption records and repayment records, and can purchase wealth management products on Alipay appropriately, which is conducive to the recovery of Sesame Credit.

Sesame Credit Score is evaluated every month, and if personal credit is slowly improving, then Sesame Credit Score will gradually improve. Remember, in the process of recovery, do not have bad records such as overdue, otherwise it will be difficult to recover again.

Sesame Credit is an independent third-party credit bureau under Ant Financial, which objectively presents an individual's credit status through cloud computing, machine learning and other technologies, and has provided credit services for users and merchants in hundreds of scenarios such as credit cards, consumer finance, financial leasing, hotels, renting, travel, marriage and love, classified information, student services, and public utility services.

Sesame Credit has the opportunity to do something.

A score above 600 with no adverse record.

Renting a Vinh On city bike without a deposit.

Ali Travel has many hotels to enjoy credit accommodation.

Ali Travel Shenzhen OCT Travel Travel First Pay Later.

Deposit waiver for renting a house.

Enjoy the Huabei quota.

A score above 650 with no adverse record.

Youbai Bicycle Deposit-free Car, Shenzhou Car Rental, eHi Car Rental Deposit Free Car Rental.

Apply for an online loan in installments.

A score above 700 with no adverse record.

Convenient to apply for a Singapore visa.

Sesame Credit Score (referred to as Sesame Score) is based on the user's data of various dimensions (covering financial lending, transfer and payment, investment, shopping, travel, accommodation, life, public welfare and other scenarios), using cloud computing and machine learning and other technologies, through logistic regression, decision tree, random forest and other model algorithms, to comprehensively process and evaluate the data of each dimension, and evaluate the user's credit history, behavioral preferences, performance ability, identity characteristics, The five dimensions of personal relationships objectively present the comprehensive score of personal credit status.

Scores range from 350 to 950. Continuous data tracking shows that the higher the sesame score, the better the credit level, and the lower the probability of default in financial lending, life services and other scenarios, and a higher sesame score can help individuals obtain more efficient and high-quality services.

Composition of Sesame Credit Score:

Credit History: Past credit account repayment history and credit account history;

Behavioral preference: preference and stability in activities such as shopping, bill payment, transfer, and financial management;

Connections: The identity of your friends and how much they interact with them.

Sesame Credit. There are the following reasons for the difference:

1. Integrity and stability of personal information: Whether it is a bank, Alipay, or other lending institutions, what you like is a stable user, so the risk of funds will not be greater. If the user changes the mobile phone number frequently and has too many delivery addresses, the system will doubt the stability of the user.

will be affected. Therefore, users must ensure that the information is not changed frequently when using Alipay, so that the system thinks that the funds are at risk.

2. Repayment ability and income: The user's repayment ability is an important guarantee to determine whether the institution can repay on time, and Alipay of course also values the user's repayment ability, so the system will refer to the repayment ability when giving the user sesame points. And stable income is a guarantee to ensure the user's ability to repay.

Therefore, users can use some idle funds to buy some financial products of Alipay.

Further proof of your ability to repay.

3. Personal credit: Users should gain the trust of Alipay, and sesame points will be conducive to improvement, and there should be no overdue, cash-out and other illegal behaviors.

Extended information: What can Sesame Credit 650 do, and what is Sesame Credit 650 used for? Stupid.

1. You can open a borrowing.

Alipay can use borrowing to make small loans. The Sesame Credit score is not less than 600, and if the user meets the conditions, he only needs to transfer his Alipay wallet.

Upgrade to the latest version, and you can use the "Borrow" function in the "Wealth" column of your Alipay wallet.

2. Borrowing is a consumer credit product of Ant Micro Loan, users with a sesame score of not less than 600 will have the opportunity to use personal consumption loans, and users can apply for a loan of up to 50,000 yuan according to the score, and the amount applied for can be transferred to the balance of Alipay. The maximum repayment period of "borrowing" is 12 months, and the daily interest rate of the loan is to borrow and repay at any time.

3. Although it is convenient and fast to use Alipay to "borrow" a loan, its interest rate is relatively not low, so remember to overdraft within your ability to avoid exceeding your repayment ability and causing adverse effects on personal credit.

Operating environment: iqooneo3 Alipay.

Clause.

1. Sesame Credit is an independent third-party credit rating agency under Ant Financial, which is Sesame Credit Management. Sesame Credit Score is based on your various consumption and behavior data on the Internet, combined with traditional financial lending information, other alternative data and other aspects of information, using cloud computing, deep machine self-learning and other technologies, through logistic regression, model improvement decision tree, random forest and other model algorithms, in the form of simple and understandable credit evaluation results.

Clause. 2. Alipay Sesame Credit Score is divided into five levels, the higher the level, the greater the authority, the more benefits, see what level you are? What are the permissions?

1. Credit rating.

Sesame Credit is divided into 5 levels.

Sesame Credit has a minimum score of 350 and a maximum score of 950.

Poor credit: Sesame score between 350-550 points.

Medium Credit: Sesame scores between 550-600 points.

Good credit: Sesame score between 600-650 points.

Excellent credit: Sesame score between 650-700 points.

Excellent credit: Sesame scores range from 700 to 950.

2. Authority for credit ratings.

First of all, users between 350-550, this is the lowest level of Sesame Credit, generally new users or people who use Alipay to be deducted points for violations, credit is not very good, users at this stage can basically only use some basic functions of Alipay, such as quick payment, fast transfer, credit card repayment, payment of utility bills, etc.;

Next is 550-600 users, the level is medium credit, belonging to the normal use of Alipay users, the level of users with average credit but can also enjoy some benefits, such as free deposit to stay in the hotel, in addition, the more important point is that only the credit score above 550 points can open Huabei, which is still very attractive to many people.

Further up is the credit good, with a score between 600-650, users of this level can enjoy deposit-free services when using shared transportation, such as the deposit of rent-free shared bicycle hello, rent-free deposit, and so on.

If the score is between 650-700, it is called excellent credit, and you can enjoy the high amount of Huabei and borrowing.

The score of 700-950 belongs to the highest level, with excellent credit, and you can get convenience when applying for visas to some countries, and you can directly apply for a Singapore visa above 700, without having to submit a lot of information such as proof of assets, proof of employment, household registration book, etc.

Sesame Credit Intermediate is not necessarily a student, it may be someone who rarely uses Alipay.

Sesame Credit Score is a comprehensive processing and evaluation of massive information and data by Sesame Credit, which mainly includes five dimensions: user credit history, behavioral preferences, performance ability, identity characteristics, and personal relationships. Sesame Credit is based on Alibaba's e-commerce transaction data and Ant Financial's internet finance data.

Different from traditional credit data, Sesame Credit data covers credit card repayment, online shopping, transfer, financial management, water, electricity and gas payment, rental information, address relocation history, social relations, etc.

By analyzing a large amount of online transaction and behavior data, "Sesame Credit" can conduct credit evaluation on users, which can help Internet financial enterprises make conclusions about users' willingness and ability to repay, and then provide users with fast credit and cash installment services.

In essence, "Sesame Credit" is a set of credit information system, which collects data from the financial system and fully analyzes the user's behavior records on platforms such as ** and Alipay.

If the Sesame Credit reaches 650 points, it can be considered a good credit or excellent level.

Generally speaking, Sesame Credit Score can be divided into five levels, and the specific grades are as follows: 350 to 550 points are considered poor credit; A score of 550 to 600 is considered medium credit; A score of 600 to 650 is a good credit sign; A score of 650 to 700 is considered to be excellent; A score of 700 to 950 is considered excellent.

Extended Information] Sesame Credit Score Calculation is mainly divided into the following 5 aspects.

2.Behavioral preference (20%): preference and stability in shopping, bill payment, transfer, wealth management and other activities;

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

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

5.Ability to fulfill contracts (25%): enjoy various credit services and ensure timely performance.

How to improve your personal sesame credit score.

1.Use Huabei more: As long as the payment can be used in Huabei, try to use Huabei to pay, preferably in installments, so that a certain amount of money can be repaid every month, and each repayment is equivalent to performance.

2.Use Alipay more for transfers: The more times you transfer, the larger the amount, and the value of Sesame Credit will also increase.

3.Use Alipay to repay credit cards: repay credit cards regularly every month, and at the same time credit card consumption records, the banking system can find your spending power level to a certain extent.

4.Use Alipay to pay miscellaneous expenses: such as phone bills, water bills, electricity bills, gas bills, broadband bills, property fees, etc.

What is the use of sesame credits.

1.increase the amount of personal Huabei;

2.Open a variety of online loan services, such as borrowing, good loans, MYbank loans, etc.;

3.Tourist visas can be processed;

4.No deposit is required when renting or renting a car on the Alipay platform;

5.Zero deposit treatment when staying at the hotel;

The higher the score, the easier it is to borrow and the higher the amount of the loan. Like common products, such as Huabei, it is the product with the lowest application threshold, as long as you score more than 650 points, you can open Huabei. There is also ant borrowing, with a score of more than 600 points, there is a chance to open, and sesame points are very important for borrowing.

In addition to Huabei and Borrowing, Alipay also has a reserve fund and a new insurance service mutual treasure, which can only be used by members who have a sesame score of more than 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 in the event of a serious illness.