What is the grade of Sesame Credit 765?

At present, the credit of Ant Financial Service to Sesame is divided into five grades, and the difference between the highest grade and the lowest grade is 600 points.

1, maximum score: 700-950, excellent credit. This group of people are the best Alipay users. In addition to their excellent conditions, they have to be active users of Alipay. At present, those who have seen more than 900 points have never seen a perfect score of 950 points, and their credit records are excellent.

2, the second grade: 650-700 points, excellent credit, high activity, very trustworthy;

3. Level 3: 600-650, with good credit, activity and good performance;

4. The fourth grade: 550-600 points, with moderate credit and several bad behaviors;

5. Lowest grade: 350-550 points, poor credit, basically belonging to "Lao Lai".

There are still many benefits of sesame credit points. Today, we will briefly list some common benefits:

1. Free deposit service

This service should be used by many people for a long time, such as:

600 points can be achieved: (1) borrow charging treasure without deposit; (2) hotels that book "credit accommodation" on the travel platform are free of deposit; (3) In short rent, you can apply for a monthly rent if you rent a house free of deposit.

650 points can be achieved: (1) common free deposit riding and free car rental (car); (2) Choose sesame seeds from KB merchants, and you can enjoy the membership service without pre-storage and membership card.

700 points can be achieved: sesame seeds score more than 700 points, and you can use 100 credit services, such as renting digital equipment, mobile phones, books, clothes, toys, household equipment, etc. for free.

Step 2 apply for a loan or credit card

At present, in addition to the loan of Ant Financial, some loan platforms have been connected to Sesame Credit. As long as the sesame credit score is above 600, you can easily borrow money. In addition, credit cards of banks such as Shanghai Pudong Development Bank, China Everbright Bank, Minsheng Bank and Citigroup have been connected to Sesame Credit. They applied for a credit card through Alipay and were authorized to check the sesame credit score. If the score is high, the card approval speed is very fast.

3. Get a visa to go abroad quickly.

In the past, I had to go to the embassy by myself when I went abroad. Now, with Sesame Credit, I can apply for a visa quickly. For example, a sesame credit score of 700 or more can apply for a Singapore visa, and a sesame credit score of 750 or more can apply for a Luxembourg visa. Moreover, the above-mentioned visa does not need to submit complicated information such as asset certificate, employment certificate or household registration book, which is convenient and fast.

Composition of sesame seeds

Since sesame credit score is so important, what factors make it up? Sesame credit score currently consists of five parts, as follows:

1. Credit records: past credit account repayment records and credit account history;

2. Behavior preference: preference and stability in shopping, payment, transfer, financial management and other activities;

3. Performance ability: stable economic sources and personal assets (so it is still useful to deposit money in Yu 'ebao and Alipay);

4. Identity: sufficient and reliable personal basic information left in the process of using related services (in fact, you are required to enter various personal information);

5, personal connections: the identity characteristics of friends and the degree of interaction with friends (so it is not bad to add a few local Alipay friends).

In short, sesame score is an important form of personal credit. With the further development of big data in the future, sesame credit may not be weaker than personal credit report, so everyone still needs to pay attention to accumulating credit in daily life and be a trustworthy person.