Second, Alipay Sesame Letter declined
1, frequently change the bound mobile phone number. If a person's mobile phone number 10 has not changed for years, you can safely lend him money. As far as the whole population is concerned, the longer the mobile phone number is used, the lower the default rate is, only 5%, even1%;
I don't have a credit card, or I can't repay it on time. If you don't have a credit card, or if you have a credit card but don't spend it online often and don't repay it on time, your credit score will be reduced;
3. The receiving address is unstable. If the delivery address changes frequently, Alipay will think that his credit is not as good as those users who have stable delivery addresses for a long time;
4. Online shopping never takes the initiative to receive goods and pay. Online shopping is always waiting for default payment, which is not a good credit habit. So remember to take the initiative to pay as soon as possible after receiving the goods and give the buyer an evaluation in time;
5. Taking a taxi makes the driver "pigeon". Now there are fast taxi and car Inc. applications on Alipay. If a taxi is reserved but the driver finally "pigeons" or the car is not returned in time, this behavior may be considered as a poor performance and will be included in the database.
At the same time, Sesame Credit has also updated its products: increasing the display of negative records. Simply put, user defaults will be recorded, which will seriously affect sesame scores. This means that dishonest behavior will be restrained.
Third, improve sesame credit score.
(1) Keep your personal information stable and don't change your company, mobile phone number and residence easily. The stability of this information represents the stability of personal life rather than turmoil.
(2) The core of keeping a good personal credit score is personal credit. If you don't say yes, at least keep it clean. If the overdue situation is detected by Alipay, the sesame score will definitely be low.
(3) Use Alipay for consumption. Usually use Alipay for consumption, living expenses, shopping, take-out, borrowing and returning things, etc.
(4) Regularly clean up friends who have not contacted for a long time, friends with low sesame scores, and friends with bad records.