First, sesame credit is divided into five grades: 350 to 550 points belong to credit difference; 550 to 600 points belong to medium credit; 600 to 650 points is a good credit; 650 to 700 is considered as excellent credit; 700 to 950 is excellent credit.
Second, the great role of sesame credit score
1. Increase the amount of flower buds.
For sesame credit score, Ant Financial bought three products: flower buds, loan buds and good loans. Flower buds are a "credit consumption" tool of Alipay. Consumers can buy products through flower buds and repay them next month. The higher the credit score of Alipay Sesame, the higher the amount spent. Moreover, the opening of Huabai is also affected by sesame credit score (what is the relationship between Huabai loan and sesame credit score).
2. Affect consumer loans
Consumer loans include Alipay loans, good-term loans, bank credit card applications and loans (Alipay Sesame Credit Score affects credit card issuance and loans). Users with a sesame score of 600 have the opportunity to apply for a loan. Sesame credit users can apply for personal consumption loans of corresponding amount by virtue of sesame points, and the applied amount can be withdrawn to Alipay balance. "Good-term loan" is a product of Zhaolian Finance, and the threshold is higher than "borrowing", requiring sesame seeds to score more than 700 points. In addition, Sesame Credit also began to cooperate with other financial institutions, taking Sesame Credit as the basis for lending. For example, Jiufu, which introduces sesame credit score, means that the higher the sesame score, the higher the loan amount you can enjoy and the lower the expected annualized interest rate.
apply for a visa
Now Sesame Credit can handle visas for Singapore and Luxembourg, and more countries will join in the future. If you travel to the visa center through Ali, you can apply for a Singapore visa if your sesame credit exceeds 700 points. You can apply for a Luxembourg visa if you get more than 750 points, which saves those troublesome steps and materials. You don't need a deposit certificate to apply for a visa. This is a great benefit! (What about Alipay Sesame Credit? Is it easy to pass)
4. Lease benefits
Hanger-on Apartment and Taobao Real Estate try the e-commerce mode of renting houses, and tenants can also enjoy the credit rights of 1 yuan in combination with "Sesame Credit". Taobao's rent-arrival activities coincided with the graduation season, which just eased the rental problem of many graduates. The cooperation between Taobao and hanger-on Apartment has turned Sesame Credit into a kind of rental welfare, which is also a bold attempt by the rental industry.
5. Car rental benefits
Now sesame users can enjoy sesame car rental service. When the sesame score reaches 600, you can enjoy smart car rental, and you can pay after using the car without a deposit. Users with a sesame score of 650 can book short rent self-driving products with a deposit of less than 5,000 yuan in more than 700 direct stores of CAR Inc, without paying the deposit or pre-authorization. When you rent a car, you will also launch Sesame Credit. As long as the sesame credit score is 650 or above and there is no bad record, users can apply for pre-authorized free car rental service. According to sesame score, users can be granted a pre-authorization free quota of 5,000 yuan. There is also a used car rental service.
6. Zero deposit for hotel accommodation
"Ali Travel" has signed a "credit stay" hotel service plan based on Sesame Credit, and users who book hotels with more than 600 points can enjoy "zero deposit" and other services. Short rent, the little pig, has also joined Sesame Credit, offering a deposit-free check-in service of over 600 points.
7. Affect credit records
After the sesame credit score is combined with the central bank's credit information system, it will affect the credit record. Sesame credit score now has a negative credit record and may be blacklisted (sesame credit also has a blacklist? What will affect the credit record), if the sesame credit score is too low and the credit record is not good, it will affect the credit card application and loan.
8. Try it before buying online
For customers with high sesame credit score, you can try it before online shopping, which is equivalent to buying clothes in a physical store! This customer service has solved a big embarrassment of online shopping, and no refund is needed.