2. All your loan records will go to the credit information system, and then the credit information system will evaluate your credit qualification and then give you a score. If your credit score is too low, you can't apply for a loan in the bank if it is below 70. Even if you submit a loan application, the bank will review your loan application and check your credit report during the review process. If you find that your credit score is only 70, you will not agree to your loan application, but will type it back. So if your credit score is too low, don't go to the bank to apply for a loan. Even if you apply, the bank will not agree.
1. Alipay scored above 600 points.
Apply for ant flower buds: users with sesame score of 600 can apply for flower buds. The higher the score, the higher the quota. Flower buds are equivalent to the function of credit cards, and the interest-free period is shorter than that of credit cards, but flower buds are very easy to use and only need a small amount of money.
Apply for consumer loans: users with sesame score of 600 can apply for loans, so as to apply for personal consumption loans with corresponding amount, and can withdraw cash to Alipay balance and borrow money at any time.
There are rental benefits: users with sesame score of 600 can apply for deposit reduction. Similarly, the higher the score, the higher the amount. For the problem of expensive rental, the deposit will be less if it is less, and the benefits are still great.
There are car rental benefits: you can enjoy smart car rental without a deposit, and you can also pay after using the car. Opening an online merchant bank: After downloading the online merchant bank app, apply for a small loan with a maximum amount of 200,000 through registration and face recognition.
2. Alipay scored 650 points or more.
If you reach this score, you can book a short-term self-driving car of less than 5,000 yuan at CAR Inc' s national direct store without paying a deposit or pre-authorization.
3. Alipay scored more than 700 points.
Congratulations, these people have the highest credit rating. You can apply for a Singapore visa: On Ali's "e-sign" platform, when users score more than 700, they can apply for a Singapore credit visa without providing employment certificates, personal information forms and other materials, which is quite convenient.
First, there is no uniform standard for how many credit scores pass. When reviewing personal credit records, general banks will divide the safety level of personal credit score into five levels, namely normal, concerned, second-class, suspicious and loss. Ordinary borrowers can only pass the risk control audit of most banks if they reach the normal and attention level.
Second, if the borrower's grade is sub-grade or below, the borrower's application will be rejected by the bank in the preliminary examination stage. The reason is that the comprehensive score is insufficient, in fact, there is a problem with the credit rating.