Some people may not have kept their promises before, so even if they spend more now, the sesame score will not necessarily rise. This situation has always existed.

We all know that the improvement of sesame credit score is determined by five factors, but I think it accounts for a large proportion in consumption and timely repayment, that is, the ability to perform.

I remember when I first started to open Alipay, sesame seeds were divided into 600, flowers were divided into 70, and the loan bank was 1200. Later, through continuous use, each issue was returned on the 4 th or 5 th, because each issue of sesame seeds was updated in the early morning of the 6 th and never breached the contract. Later, sesame scores increased by more than ten points every time. After 700, it only rose by six points at a time, so here it is.

Therefore, if you increase the amount of flowers, you have to spend more. You can use offline consumption. Shopping in supermarkets, eating in restaurants and many other places support flowers. It will be very helpful for us to return it on time around the fourth of every month.

Consumption is only one aspect,

Sesame points are evaluated according to your various aspects. I just want to talk about myself here. I prefer Alipay outside, and I bind my credit card. I can use it if I can, but I don't need it if I can't. Then in terms of financial management, I used to put dozens of W's in Yu 'ebao at most (speaking of which, many friends who are not familiar with business will definitely refute that Yu 'ebao can only put 10W at most. I don't blame you. You don't know the routine. Let me explain. Fill in the balance treasure with 10W first, then buy the fund with 10W, and then put the fund into the balance treasure. However, at that time, the sesame score will not rise, and the interest of Yu' ebao will be less and less. Later, I put the money down and bought a fund to make a fixed investment, and the sesame score began to rise again. Then there is the social security provident fund, which can be bound as much as possible, and the garage can also be bound to prove your financial resources. My garage is not mine. I accumulated it myself slowly. Remember to pay back the flowers, credit cards and loans on time, and don't be overdue. Then, don't repay in advance by borrowing flowers or online business loans. It is best to borrow as much as you can. Borrowing hundreds or thousands of Alipay, you will never feel that you are a quality customer. There are also more Alipay friends with good credit and more participation in Alipay's small public welfare activities.

There are many ways to judge sesame credit score, and consumption power is only one aspect. It can even be said that the weight of consumption power in judging sesame scores is very low.

I personally use Alipay 10 years. After AliPay got the evaluation of sesame credit score. My sesame score has hardly increased. At first, it was more than 720 points, and finally it increased to 73 1 minute. It hasn't changed for almost two years. At first, I was more concerned about the level of sesame seeds. But the more I learned later, the more indifferent I became.

Secondly, let's take a look at several dimensions related to sesame credit score evaluation.

The evaluation of sesame credit score needs to refer to five dimensions, and each dimension determines the level of sesame credit score.

Identity: Rich and true information about your study and professional experience, as well as your real-name consumption behavior, is one of the evaluation factors of sesame score.

Performance ability: comprehensively consider all aspects of your asset information to judge your performance ability, including social security accumulation fund payment, movable property and real estate.

Credit history: rich performance records will help you get higher sesame scores, and dishonesty will have a negative impact on your sesame scores.

Personal connections: The comprehensive evaluation considers the relative stability of personal connections and other factors.

Behavioral preference: the behavioral characteristics reflected in your shopping, payment and transfer activities.

According to these dimensions, we can see that personal consumption is only a small aspect. For example, a very rich person, a person with multiple loan records in the bank. The rich man's credit record will not be better than that of the man who often has a loan record. Just say it. On the contrary, it is much more difficult for a white household with a credit record to go to the bank to handle credit business than a person without a credit record.

Therefore, we must first understand a truth. Sesame credit score is not only based on which dimension performs well, but also can get a high sesame credit score. Moreover, it depends on the comprehensive dimension to judge, and besides consumption, it has always maintained interaction with Alipay. Upload more personal assets certificates. Even use Alipay's credit products. Repay on time and increase your performance score. Make more use of Alipay's social functions and add some friends with strong comprehensive strength. Only in this way can we improve our personal sesame credit score.

Mobile payment has now become the most important payment method in our social life, because it is more convenient and faster, saving time and effort. As long as a smart phone and data traffic are added, mobile payment can be made, whether it is a big supermarket or a street stall. At present, the most acceptable ones are WeChat payment and Alipay payment, and we often get points or bonuses after paying with Alipay.

Then a friend had a doubt, because we often see our sesame credit score in Alipay account, so a friend had a doubt. Many sesame seeds are divided into more than 800, and the consumption in Alipay is only tens of thousands or even thousands of pieces a year. Those local tyrants who use Alipay to spend millions or even hundreds of millions a year have sesame seeds in their early 700 s or even less than 700 points. Why does the more people who use Alipay spend, the lower the sesame score?

In fact, the sesame score is not determined by the number of times you use it or how much you consume, but by five personal factors.

I. Identity: Real and rich study experience and professional experience plus personal real-name consumption records are one of the evaluation factors.

Second, credit: rich records of on-time performance will greatly improve the credit score of Sesame, but dishonesty will have a serious negative impact.

Third, contacts: this is mainly to evaluate the credit of users' Alipay friends. If all friends have high scores, the system will judge and analyze that users also have high scores. After all, there is a saying that birds of a feather flock together.

Fourth, the ability to perform the contract: judging by the comprehensive information of users' assets, including movable and immovable property, social security, provident fund, etc.

Fifth, use history: this mainly depends on the usual consumption, transfer, payment, public welfare behavior and so on.

With these, you will know why some people have high sesame scores.

Seeing this problem, I looked at my sesame seed and thought about my previous experience. There seems to be no such situation. The more friends around you spend, the higher the sesame score.

For this question of the subject, I think that although the level of sesame score cannot be generalized, the evaluation of sesame score is judged by the collection of big data, which means that the more frequently we use Alipay, the more sesame scores we get from personal behavior. Under normal circumstances, with a certain consumption power, other aspects will naturally not be too bad, so the sesame score should be higher than that of people with small consumption.

However, there are also some cases that may make the subjects feel that their consumption is high, but their sesame score is low. This may have something to do with the opening time. When the sesame score first came out, many people registered for more than 700 points, and it will easily rise to 800 points after several uses. Moreover, the audit that is opened later is relatively strict. Generally, more than 600 people are separated, and it is difficult to rise to 800 points.

Of course, there is another possibility that the evaluation of sesame score is not necessarily based on the amount of consumption, but also has an impact on credit performance and other data. I don't know what you think of this problem. Welcome to leave a message for discussion!

Many people with high sesame scores have low consumption. On the contrary, people with high consumption have low sesame scores.

Why is this happening? Because in our daily life, people who spend thousands or tens of thousands of dollars are only a normal consumption range. Conversely, the higher the consumption, the lower the sesame score. This is because Alipay has regarded such people as rich people, and there are restrictions on Alipay's transfer, with a daily amount of 20,000 and a single amount of 2,000. If you spend millions to millions a month, the daily limit of Alipay is too much, which exceeds the limit. Moreover, such people will never use Alipay to realize their living expenses.

We use Alipay every day, but many people don't know that our sesame seeds are borrowed and will remain unchanged for ten thousand years. This is probably because there is something wrong with our credit, because Alipay's sesame score is based on our credit. If your credit runs out, then the flowers, IOUs and sesame seeds will certainly remain unchanged for ten thousand years. In order to facilitate everyone to manage their own credit situation, all major platforms have published their own credit inquiries. In view of the recent emergence of a "joint query" service for WeChat users to query personal big data information, the derived information can clearly see their own lending risks, the degree of cyber hacking and the security of personal information. At present, only WeChat users are supported to search queries, which has been known for a long time. As long as we maintain a good credit status and improve Alipay's life service status, it's strange that sesame scores don't improve.

To understand this problem, we should pay attention to the fact that the improvement of sesame credit score has something to do with consumption, but it has little to do with it. He is multi-dimensional to judge, after all, Alipay's business is not just consumption. For a simple example, you spend tens of thousands of yuan with Alipay every month, but you are in arrears for several months. Do you think you will improve your credit score?

Let's take a look at how to improve sesame score. According to Alipay's official statement, the requirements are as follows: develop good consumption habits in daily life, avoid excessive consumption, pay all kinds of bills on time, pay utilities in time, maintain a certain amount of online consumption, while maintaining offline consumption, and fulfill the contract as soon as possible.

So many ways to improve the credit score add up to the best one. The consumption mentioned by the subject can only be regarded as one of the links here, and it can't be said that it is the biggest guarantee to improve the credit score. Therefore, to improve the credit score, we should start from various aspects:

Timely performance: Although Alipay is mainly for consumption, its business is comprehensive now. For example, riding a bike, borrowing a charging treasure, driving, etc. , according to the credit score for evaluation. If the credit score is enough, you can enjoy these services and develop good performance habits, which will naturally improve the credit score.

Participate in Alipay activities. The activities mentioned here refer to Alipay's fund, gold and insurance business. By participating in these businesses, you will be able to use Alipay more comprehensively and meet the criteria for improving your credit score.

Of course, using Alipay is also essential. But he is not the only criterion to improve the credit score. If you want to improve your credit score, you still have to do it all.

We may have a misunderstanding about the sesame score, thinking that as long as you spend a long time on Alipay, and the larger the amount, the higher the sesame score. Actually, it's not. Sesame points do not depend on your spending power, but on the interaction of many factors.

The most important thing that affects sesame score is your repayment ability. For example, if you fail to repay the loan within the time limit, your sesame score will be affected immediately, and the loan amount may not be so much next time. Sesame is deducted below 650, and it is not allowed to borrow again. There is also a credit card bound to your Alipay. Credit card is not only related to your bank credit, but also greatly affected by it. The punctual performance of credit cards largely shows the reliability of this person's compliance. If the repayment is not made in time, the bank will record it and the sesame branch will be reduced.

What affects the sesame score is whether the personal information on Alipay is detailed and complete. Your education background, age, work, whether you have a car, what kind of car, overseas payment records, the type of bank card you are bound to, whether you buy wealth management products, whether you use Yu 'ebao, etc. Will affect the sesame score. If you just download Alipay and never use it, then your sesame score may always be 0.

Now you should know something about sesame. Then why do we have sesame seeds? Sesame points actually evaluate personal credit problems from another aspect. It is reported that in the future, the company will access personal credit records, including bank credit records and sesame points. In this sense, it is beneficial for individuals to use Alipay more and carry out personalized business according to the contract.

The probability of this situation you mentioned is not high. Let's separate it:

"People with high sesame scores will spend thousands or tens of thousands."

Why is this happening? Because the interval of spending thousands or tens of thousands is only part of the user's living expenses, his food, clothing, housing and transportation are all applied by Ali, and he has developed his own consumption habits.

"Local tyrants who spend millions or even hundreds of millions, sesame seeds are not high, in their early 700 s."

This group of people have credit cards and other payment methods, and Alipay's consumption is limited:

The amount of computer-side (charged) products transferred to Alipay account: the account has vouchers: a single payment of 20,000 yuan, 20,000 yuan per day; Certificateless account: 2,000 yuan for a single transaction and 2,000 yuan for a single day;

Bank card transfer limit:

Those who spend millions a month will feel that Alipay has too many restrictions, and those who exceed the limit will choose other payment methods. For them, Alipay is a convenient tool, but it is not necessarily the standard of life.

He doesn't have to use Alipay to pay utilities, property fees, telephone bills and money ... I can't imagine the life of the rich.

If you find through Alipay's annual bill that his consumption is so high, but his sesame score is very low, there is another possibility.

First, sesame score is a comprehensive score based on a person's credit value. It's not that the more you spend through Alipay, the higher the sesame score and the more money you spend. Millions or tens of millions can only show that you are a local tyrant, not that you have good credit. Many Lao Lai used to be millionaires.

Sesame first records your daily credit consumption record. Just like credit cards, only through their credit consumption can you get corresponding points. Like the current flower buds and loan buds, they are not only used because of lack of money, but actually record your daily credit. Every time you use the flower buds and borrow them, you will get sesame points if you repay them on time. The higher the sesame score, the more times you keep your promise.

The future society is a credit society, and a person's credit is very important. For example, buying a house depends on credit reporting. However, without a credit consumption record, your credit investigation will be very pessimistic. Moreover, in the future, the role of credit will become more and more important. It is difficult for a person to survive without credit. To give a simple example, after Lao Lai was blacklisted, no trains and planes were allowed to sit and no hotels were allowed to stay.