How to improve Alipay Zhima Credit score: Sesame Credit increase skills

On June 23, November 27, screenshots of the "life circle" named "alumni Diary" by Alipay were flushed. According to the introduction on Alipay pages, only female college students can publish dynamic "campus diaries". Users who cannot publish dynamic content can like and enjoy them, users with Sesame Credit scores greater than or equal to 750 can also make comments.

At the same time, Alipay also launched the "White-Collar Diary" life circle for white-collar people. Only white-collar women can publish the news. "You can talk about your career experience here or record the moments of your daily life." similar to the campus diary, users who cannot publish dynamic content can like and enjoy it, users with Sesame Credit scores greater than or equal to 750 can also make comments.

The Zhima Credit score of those who want to share comments with strangers in these "life circles" must be greater than 750, and the threshold is very high. It is understood that in the case of good credit, Zhima Credit users are bound with academic qualifications and occupations, and it is difficult to score 750 Sesame credit points for provident fund users, however, if you bind a vehicle or make more friends to add a friend with good credit, the score will be over 750 points. Under such circumstances, users need to frequently use Alipay and use social networking functions in Alipay to gain more rights.

Although Alipay users cannot take the initiative to obtain this function, these circles are dominated by photo sharing among female users, attracting the attention of many people.

With the wide application of Alipay and its hidden in Alipay, Sesame Credit, which plays a powerful role in people's life, has also entered people's vision. For example, the increase in the amount of spending and borrowing resources that we care about is closely related to it. A full set of tips on sesame seeds increase by 888. Don't say I didn't tell you! In fact, it is very easy to check whether your loan quota can be increased. Which of the following is what you did not do?

A: There are 700 or higher Sesame Credit points!

B: Online shopping is often performed. The payment method is Huabei or credit card. The monthly payment is basically more than 10 online purchases, and the payment can be made on time.

C: offline payment is often made using Alipay, which is consumed every month;

D: air tickets and hotels are basically booked on Alibaba travel.

E: I used a loan before, and the payment is made on time every month. This is very important. Xiao Xun often uses flowers, but never borrows money, so there is no increase in the quota;

F: Alipay is used for credit cards, Huabei and Beibei. Note: If you transfer the money to Alipay and then pay the money from Alipay during repayment, it is conducive to the improvement of credit score;

G: There are many Alipay services, such as coupons, express delivery, movie tickets, takeout, and many other transfers.

In general, the more Alipay you use, the better Alipay will be for you. If it is used with good performance, the increase will also be considerable!

In addition, if you are a Taobao seller, you will find that the loan quota is higher and the interest is lower than that of Taobao buyers. Therefore, it is better to use a buyer's loan to increase the loan quota.

 

Credit life in Alipay

The Giants are desperately trying to build an ecosystem. Alipay has already covered all aspects of our lives. He has mastered all aspects of our data. This is the time when data comes in handy. Based on data analysis from various aspects, Alipay launched Sesame Credit to evaluate our credit and provide us with a series of services covering travel, travel, renting, seeing a doctor, finance, and other aspects.

Travel: Alipay currently covers Car Rental in China and one-click car rental. If the sesame score is over 650, you can enjoy free-of-deposit travel. In the past, the deposit for renting a car would have scared you to give up!

Renting a house: Similar to renting a car, you can also enjoy a deposit of more than 600 Sesame seeds, or even exempt from a facial sign. You can stay directly, saving us a lot of time.

Travel: The "future hotel" in Alipay is based on the credit score setting. You can pay for your stay after 600 or more points without deposit or line-up! At the same time, Alipay joins hands with Xingya holiday to launch the service "post-paid first tour, unhappy, don't pay", which will have a big impact on the traditional tourism industry!

Seeing a doctor: the "future hospital" was born, and this time we made a bold attempt with Sesame Credit points! In some hospitals, users with a sesame score of 650 or more can pay for medical treatment and medical treatment. Users can skip all payment queues and directly register, diagnose, check, and take medicine, you can leave the hospital without payment. Public Mobile phone number quick online loan reminder is more important in the loan of 10 thousand to 0.2 million, that is, in the hospital with peace of mind, do not have to pay, go home and then say.

Finance: Here, the most representative is Hua Bei and Qibei. Huabei provides the consumption quota based on credit. You can select Huabei for overdraft during Alipay payment, which is equivalent to a credit card and is free of interest for 30 days. Borrowing money is a cash loan, which can be used for withdrawal. In the past year, 30 million people have borrowed 49.4 billion yuan from the loan!

Although Zhima Credit scores are good, many people reflect a slow increase in scores every month. Is there an effective and fast way to increase Sesame credit scores?

How can we effectively improve Sesame credit scores?

1. Create credit consumption archives, such as applying for credit card and consumer loan services;

2. Continuous and rational use of credit products; do not blow up credit lines;

3. Do not repeat your debt and pay off your debt;

4. Traffic fines should be paid in a timely manner, so do not delay the payment;

5. Pay off the credit bill on time. If you forget it, you will be able to pay it back in full as soon as you receive a text message or phone call reminder;

6. Pay water, electricity, gas, and property fees on time, reflecting personal credit;

7. If appropriate, you can choose to use credit services, such as credit card, credit, and deposit-free car rental;

8. Maintain a stable address and contact information so that others can contact you;

9. Update personal information such as education and work in a timely manner, so that Zhima Credit can better understand your latest situation;

10. Use your account to spend more and put credit to your account;

11. Do more social welfare and help others;

12. Use recorded electronic consumption and financial management to enjoy the digital age;

 

Hand-held shares of 800 points, strategy:

1. Taobao must meet more than 20 shopping items in the last 60 days, and Tmall accounts for more than 60% of the total. (we recommend that you use the Tmall staging to establish credit history )!

2. Your shipping address has remained stable and remains unchanged in the last six months. We recommend that you leave only one address. If you want to buy the address, delete other shipping addresses (stability built on the Alibaba system )!

3. The mobile phone number bound to Alipay must be the same as the mobile phone number bound to the receiving address, and your usual payment bank card must be bound to the mobile phone number (cross-Authentication proves the authenticity of your basic information )!

4. Donate at least once a month in the last six months. The amount is free. The amount of love is not the amount of money, but persistence!

5. The address of the fee paid by shuidian must be the same as your shipping address. Otherwise, do not pay the fee!

6. Financial management must be in proportion to your shopping situation every month. For example, if you spend more than 10 thousand yuan a month, your financial management proportion will be the best 20% yuan! (Do not place Yu'E Bao. It is better to go to Ant Fortune to play)

7. All friends whose phone number is not in the mobile phone address book will be deleted. This will be recognized by Alipay as zombie friends. No money transfer, no chat, no red packets, and expired friends will be deleted! The best overall active friends are around 20. Therefore, social networking becomes more important. Please cherish it!

8. Bind a credit card. The maximum number is 3-5. If you have too many credit cards, you will find that your debt is under great pressure and credit is affected! Credit card is the best way to establish credit history at the initial stage of Sesame Credit. Therefore, you must pay by credit card and pay by credit card on time before you borrow it!

9. In addition to data capturing, Alipay has begun to cooperate with external data to verify your data and evaluate your level more accurately, such: vehicle information, education information, LinkedIn, pulse, DingTalk, etc!

10. Zhima Credit is the basis of the time that Alibaba has registered to seize the data source. That is to say, the higher the Zhima Credit, the better, instead, "Time X (credit history + behavior preferences + performance ability + identity traits + connections)-Debt = credit line!

In addition to many bonus points, in fact, Alipay has improved its credit score, and some precautions are easy to ignore. If you do not do well, the score will be reduced!

1. You must have assets in Yu'e Bao.

Xiaoxun has been keeping its account around yuan, which is basically used to pay off credit cards, so there is no need to worry about low interest rates in the money, which is inherently strong liquidity, it's better than the current period. In Alipay, Yu'E Bao is like a debit card account of the debit card issuing bank we hold. The account has a working capital to prove your financial resources. In addition, the transfer function used in credit cards is also a major evaluation point to increase Sesame scores.

2. Huabei and pay-as-you-go in installments

Is this function fully used? I have been using it since the activation of Hua Bei. I don't have a Taobao-type credit card, so I don't have any credit card, and I have to pay for it. In this case, it is better to give the flowers a favor. Every consumption will be spent, and the amount of the flowers will be increased after a long time! There is also a big trick to share with you: Click "pay in advance" on the 10 th of every month, please remember to [take the initiative to pay in advance], instead of waiting for the flowers to automatically deduct payments! You know, active people look more credible. Generally, you can make a repayment on the morning of the 10th. Anyway, if you want to make a payment before the automatic deduction, the payment will be calculated as active repayment!

3. Alipay is preferred for offline payment

Many merchants now support Alipay and WeChat payment, but please pay by Alipay first! Each payment will have corresponding points, which not only improves the level of Alipay members, but also helps increase Sesame points. The amount is not affected, and is recorded per time.

In addition, both water, electricity, and gas can be paid by Alipay, and the [payment account is bound to Alipay] of the home will be paid on a regular basis every month.

4. Pay more attention to Alipay's main push points

Friends who often use Alipay will surely find that Alipay has a main push project at each stage. It is very easy to know where to start. It is the message in the push, such as recommending you to experience lucky money and purchasing funds. Every time a new project comes out, you should try your best to participate, this kind of positive attitude is very helpful for improving Zhima!

The usage of the above items is maintained at a frequency every month. Every month, you must use these features (Huabei, Yu'E Bao, payment, transfer, and shopping, an increase of 2 points (more than 700 points) in the last month is absolutely perfect!

However, credit improvement is a step-by-step process that cannot be quickly improved through a single behavior or event. It requires long-term accumulation and attention. Little bit of treasure focuses on accumulation. In the future, more P2P companies will use Sesame Credit for loans. In the big data era, we must cherish it!

As a mobile payment tool, the number of real-name users on the Alipay platform has exceeded 0.45 billion. However, following Alibaba's social ambitions, Alipay also hopes to improve its social activity. From the very beginning, we used red packets to induce registration, add friends, build a Alipay group, and set up welfare activities during the Spring Festival of 2016, so we never stopped using money to gather popularity. At the same time, Alibaba's attempt to engage in social networking has not been stopped, from the early days of Alibaba TradeManager, Yahoo relations, to social networking software such as social networking, DingTalk, and Momo, Weibo, which they invested in, alibaba has always wanted to seize the social networking entrance. This Alipay stranger friend "life circle" recommendation is also an attempt to increase activity.