In today's society, credit has become an indispensable part of our lives. As a way to measure user credit, Alipay's sesame points have gradually been accepted and relied on by the public. So, what exactly is sesame used for? What is the practical impact of the score? This article will take you through the first game.
Sesame Score is a personal credit score launched by Sesame Credit Management***, a subsidiary of Ant Financial, and its core is to evaluate users' credit history, performance ability and other multi-dimensional factors through big data and cloud computing technology. The score range usually ranges from 350 to 950 points, with higher scores meaning better personal credit.
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 Jinbei on WeChat*** to replace Huabei to borrow, and the amount given is high and convenient.
Let's take a look at the benefits of high sesame seeds. Users with high sesame points tend to be more likely to be approved when applying for a loan or credit card and may receive a better interest rate. This is because banks and financial institutions will perceive this group of users as having a strong willingness and ability to repay the loan, and the risk is low.
In addition to the financial field, sesame is also widely used in daily life. For example, when using a bike-sharing service, high-scoring users may enjoy the convenience of no deposit; When renting, landlords may prioritize high-scoring tenants to reduce the risk of default; Even when applying for a job, some companies will refer to the candidate's sesame score as an aid in assessing their integrity.
Sesame Cent has also cooperated with some merchants to provide more discounts and convenience for high-scoring users. This includes, but is not limited to, preferential activities in various areas such as hotel reservations, travel insurance, and online shopping platforms, so that trustworthy people can get tangible benefits.
Sesame seeds are not a panacea. While there are many conveniences for high-scoring users, a low score doesn't mean it's hard to get started. In fact, sesame points are only a part of personal credit, and it is mainly based on past data, not completely. Therefore, regardless of the score, it is always important to maintain a good personal credit record, honesty and trustworthiness.
It is worth mentioning that sesame seeds are not fixed. Users can improve their credit scores by improving their credit behaviors, such as repaying loans on time and using credit products reasonably. This will not only help to improve the sesame score, but also benefit the long-term credit profile of the individual.
As a tool to measure personal credit, Sesame Score does reflect a person's credit level to a certain extent. A high sesame score can bring a lot of convenience and benefits to users, but it is not the only criterion for judging a person's total creditworthiness. While using sesame points, we should pay more attention to our own credit construction, be honest and trustworthy, so that we can be comfortable in the complex and changeable financial market and enjoy the many conveniences brought by credit life.