Sesame Credit Score is a personal credit scoring system launched by Ant Financial, a subsidiary of Alibaba Group, which analyzes a user's financial behavior, performance ability, identity characteristics and other multi-dimensional information to give a score between 350 and 950. The higher the score, the better the credit profile of the individual, and correspondingly, the more privileges and services they can enjoy.
But there are many netizens who said that it doesn't matter if it's closed, anyway, the amount given is not high, and now many people have used the self-flower on WeChat *** to replace Huabei to borrow, and the amount given is high and convenient.
When a person's Sesame Credit score reaches 850 points or more, they will first feel great convenience in financial services. For example, users with high credit scores tend to get lower interest rates and higher loan amounts when applying for loans. In addition, the credit card approval process will be smoother and the limit will be higher. In some P2P platforms or consumer installment services, the high Sesame Credit score can even allow users to experience the convenience of "consume first, pay later".
Not only that, users with a high Sesame Credit score can also enjoy many discounts and conveniences in their daily lives. For example, when renting, the landlord may waive the deposit because of your high credit score; When shopping, some merchants will offer additional discounts or point rewards to high-credit users; Even in services such as tourist accommodation, car rentals, etc., a high credit score can help you complete the booking and check-in process faster.
However, just as there are two sides to everything, Sesame Credit Score, while it brings many benefits, can also cause some problems. For example, over-reliance on credit scores can lead to the disclosure of personal privacy, and at the same time, if the credit scoring system is unfair or wrong, it can also have an unfair impact on users.
Next, let's see what netizens think of the experience of Sesame Credit with a score of more than 850:
Netizen A: "My Sesame Credit score finally broke through 850 points last year, and the most direct feeling is that the loan and credit card applications have become extremely smooth, and the amount is very strong. It is indeed a lot more convenient in life, such as renting a car without a deposit, and there are often discounts for traveling to book hotels. ”
Netizen B: "To be honest, I'm not very interested in Sesame Credit. I think as long as you repay the money on time, your credit will naturally be good, and your score is not so important. ”
Netizen C: "As a person who travels a lot, I found that after the Sesame Credit score is high, many hotels and airlines have special membership treatment, which has improved my business travel experience a lot. ”
Netizen Ding: "I think the biggest advantage of Sesame Credit Score is that you can borrow money in case of emergency, which is really practical." ”
Netizen E: "Although my current Sesame Credit Score has not reached 850, I have been working hard to improve my credit. I believe that a good credit score will become more and more important in the future. ”
Overall, a Sesame Credit score of 850 or more will undoubtedly bring a lot of convenience and benefits to an individual, but it does not mean that a credit score is the standard by which a person is measured. While enjoying the convenience of a high credit score, we should also be rational and maintain our credit history, while also paying attention to the protection of personal privacy and the fairness of the credit scoring system. After all, credit is a long-term accumulation that we need to constantly maintain and improve in our daily lives.
In this era of credit, let us work together to cherish and protect our credit, and let credit become our bridge to a better life.