There is a colloquial saying in life, "if you have money, spend it", and there is also a life attitude in life "if you want to spend it, spend it"! Society wants to progress, so society promotes people's consumption; society wants to develop healthily, so society will also regulate everyone's consumption.
Do not move for what you have, pursue what you want in your heart. This is the principle that each of us has for himself, so what we have, not only our own savings, our real estate, our own cash, in today’s society, it is almost impossible to go out without a mobile phone, because no mobile phone is everywhere. Today, let us understand—intangible credit savings are also part of our continuation.
Our credit savings, including lines of credit, credit cards, credit card points, and more. All of these are of substantial use and can bring us a consumption experience or direct commodity exchange. Credit consumption can be seen everywhere in our life, even supermarkets, shopping malls and other places have policies that credit points can be exchanged for commodities.
Huabei is a credit consumption limit product of Alipay, and it is Alipay's Sesame Credit Score that determines the Huabei limit. Sesame credit score not only determines the Huabei quota, but also has many uses:
1. Increase the amount of Huabei
For the Sesame Credit Score, Ant Financial has launched 3 products: Huabei, Zhubei and Haoqidai. Huabei is a "credit consumption" tool launched by Alipay. Consumers can purchase products through Huabei and make repayments next month. The higher the Alipay Sesame credit score, the higher the Huabei quota. Moreover, the opening of Huabei is also affected by the Sesame Credit Score (what is the relationship between Huabei Jibei Haoqidai Portable Loan and Sesame Credit Score).
2. Affecting consumer loans
Consumer loans include Alipay Zhubei, Haoqidai, and 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apply for a personal consumption loan of the corresponding amount with the Sesame points, and the applied amount can be withdrawn to the balance of Alipay. "Haoqidai" is a product of China Merchants Union Finance.
In addition, Sesame Credit has also begun to cooperate with other financial institutions to use Sesame points as the basis for lending. For example, 9F, which introduced Sesame Credit Score, said that the higher the Sesame Score, the higher the loan amount and the lower interest rate.
3. Apply for a visa
Today, Sesame Credit can handle visas to Singapore and Luxembourg, and more countries will join in the future. At present, you can apply for a Singapore visa by going to the Visa Center through AliTravel and with a Sesame Credit score of more than 700 points, and you can apply for a Luxembourg visa with a score of more than 750 points, saving those troublesome steps and materials, and you don't need to fiddle around to apply for a proof of deposit when applying for a visa. This is a great benefit! (How to get a visa for Alipay Sesame Credit? Is it easy to pass)
3. Marriage Lily Network
Although Lily.com implements the real-name system, it is still unavoidable that criminals use marriage and dating websites to "deceive marriage". By introducing Sesame Credit, the trust of both parties can be increased. Baihe.com users can first check the other party's sesame score to understand how the other party's credit is, and then decide whether to develop further with the other party. The introduction of sesame points can improve the trust of single men and women in their blind date partners, which is more conducive to the success of their relationship.
4. Rental benefits
Qingke Apartment and Taobao Real Estate are testing the water rental e-commerce model. Combined with the "Sesame Credit Score" tenants can also enjoy the credit rights and interests of 1 yuan in rent. Taobao launched a credit-to-rent program, which coincides with the graduation season, just to ease the renting problem of many graduates. Taobao cooperated with Qingke Apartment to turn 'Sesame Credit' into a 'rental welfare', which is also a bold attempt in the rental industry. 5. Car rental benefits
Now Sesame Points users can already enjoy the car rental service with Sesame Points. When the sesame score reaches 600 points, you can enjoy the car-sharing smart car rental, and you can use the car first and pay later without a deposit. With a sesame score of 650, users can book short-term rental self-driving products with a deposit of less than 5,000 yuan in more than 700 Shenzhou car rental stores across the country without paying a deposit or swiping pre-authorization. Ehi Car Rental will also introduce Sesame Credit. As long as the ehi car rental users have a Sesame credit score of 650 or above and no negative records, they can apply for the pre-authorization-free service for car rental. Ehi car rental grants users a pre-authorization-free quota of 5,000 yuan according to the sesame score. There is also a Uxin used car rental service.
6. Zero deposit for hotel accommodation
“Ali Go” has launched a “Credit Stay” hotel service plan based on Sesame Credit. Users with more than 600 points can enjoy “zero deposit” check-in and other services when booking hotels. Xiaozhu Short-Term Rental also cooperated with Sesame Credit to launch a deposit-free check-in service of more than 600 points.
7. Affecting credit history
After the combination of Sesame Credit and the central bank's credit reporting system, it will affect the credit record. The Sesame Credit now has a negative credit record, and it may be blacklisted (Sesame Credit also has a blacklist? What things will affect the credit record), if If the Sesame Credit score is too low and the credit record is not good, it will affect the application and loan of credit card.
9. Try online shopping before you buy
For customers with high Sesame Credit scores, online shopping can try first before buying, which is equivalent to buying clothes in a physical store! This customer service has a big defect in online shopping, and there is no need for refunds or anything.
These are all things that Alipay's Sesame Credit can control. Alipay is a simple payment guide software, but it can decide the key to many problems, which is also the weight of credit.