It will not affect you if you activate it. WeChat payment points are similar to Alipay's "Sesame Credit". They can be understood as WeChat credit points. Personal credit is scored based on WeChat payment big data. The scoring results It is "payment points". Payment points can be used to evaluate personal credit, achieve credit limit scoring similar to "Huabei" and "Jiebei", waive mortgage fees and other similar functions.

1. Activation method At present, WeChat has 1.1 billion active users. Through the massive data accumulated through the WeChat payment platform, WeChat has also launched a credit score "payment score" to evaluate personal credit. Credit

Currently, the payment sub-function is only available to users in some areas and is not popular across the country. Open WeChat, click on the wallet, then click on the payment center in the upper right corner. You can see WeChat payment points in the payment center interface. After clicking in, you can activate the payment point function, as shown in the figure below. If this function cannot be activated in the user's area, it will prompt that wireless payment points cannot be activated temporarily, as shown in the figure below.

2. The role of payment points WeChat payment points are mainly analyzed based on personal WeChat payment big data to determine personal credit. My credit score after I activated it was 668. According to some netizens’ accounts on the Internet, the WeChat payment score is around 580 to 800 points. A score of 700 or above is a very good credit rating. WeChat payment points can currently only be used to rent products such as power banks. Deposits are waived based on the evaluation of payment points. As payment points are opened nationwide, the application of payment points may become more and more widespread. Through the evaluation of personal credit, deposit-free rentals can be realized, similar to "Bioubei" and "Huabei", which evaluate credit limits based on credit points. In short, WeChat payment points score personal credit based on WeChat payment transaction and other data, and related applications can implement applications similar to "Sesame Credit" based on the scoring results of payment points.

Currently, WeChat has 1.1 billion active users, and through the massive data accumulated through the WeChat payment platform, WeChat has also launched a credit score "payment score" to evaluate personal credit.