Sesame Points, which is a personal credit scoring system launched by Alipay, a subsidiary of Alibaba. It uses big data technology to calculate a score to quantify an individual's credit rating by integrating the user's online shopping, payment records, credit repayment and other aspects of behavior. So, if you want to improve your sesame score, what should you start from? Now, let's take a look.
There are many factors involved in the calculation of sesame points, but it boils down to the ability and willingness to perform. Performance ability refers to whether you have the financial basis to repay your debts, while willingness to perform refers to whether you are willing to fulfill your obligations on time. Therefore, if you want to improve the sesame score, you must start from these two general directions. 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.
The first trick: complete personal information. In Alipay, fill in as much detail as possible about your personal information, including educational background, work placement, etc. This way, the system can more accurately assess your financial situation, which in turn can improve your credit rating. The second trick: maintain good habits of using financial products. If you have a credit card, make sure you make your monthly payments on time; If you use financial services such as Ant Borrowing and Huabei, you must also ensure that you repay the loan on time and in full. These behaviors can reflect your willingness to fulfill the contract.
The third trick: actively participate in public affairs. For example, you can bind your vehicle information and pay your utility bills and traffic fines on a regular basis. These seemingly inconspicuous little things are actually an important basis for Sesame Credit Score. Tip 4: Keep a good trading record. Whether online or offline, every transaction is a test of personal credit. Timely confirmation of receipt, evaluation of sellers, and no unreasonable returns can make you add a lot of points to the Sesame credit scoring system. Tip 5: Build a good social network. Actively interacting with social features such as Alipay's "Ant Forest" can not only increase environmental awareness, but also inadvertently boost your credit score.
Of course, improving your sesame score is not something that can be achieved overnight, and it requires you to continue to accumulate good credit behavior in your daily life. Remember, credit is like a mirror that reflects your attitude towards life and sense of responsibility. Remind everyone that although high sesame points can bring many conveniences, such as renting a car without a deposit, renting a house, etc., it is also necessary to maintain rational consumption and avoid excessive borrowing to avoid financial difficulties. If you want to improve your sesame score, the key is to establish a good sense of credit, and show your image as a responsible and honest modern citizen through daily accumulation. When your sesame score gradually climbs, you will find that life becomes better because of credit.