Text: Miao He The emergence of mobile payment has greatly changed people’s lives and promoted the rapid development of a cashless society. In the domestic mobile payment market, Ma Yun’s Alipay and Ma Huateng’s WeChat payment are the mainstays. Many people have mobile WeChat and Alipay. With these two mobile payment software, it is very convenient for us to pay wherever we go. ! Jack Ma’s Alipay was originally born to serve Taobao, but Alipay has now developed into a giant in the mobile payment field. Alipay can not only make mobile payments, but also brings together many functions, such as life payment, transfer and remittance, credit card payment, and car owner services. , Public Welfare Management, etc. Because these functions of Alipay are very popular, the number of users is also very large. At present, the total number of users of Alipay has exceeded 1 billion, and it must be said that it is still very powerful! Although WeChat and Alipay have the same payment function, WeChat is mainly social, so compared to Alipay, its functions may not be as perfect. For example, Alipay’s “credit system”, Zhima Credit Score is now a point of concern to many people. Sesame credit score is divided into 5 levels, the higher the level, the more benefits. This is also the reason why Zhima Credit Score has attracted much attention. Let us see the difference between these 5 levels. The first is users between 350-550, which is the lowest level of Zhima Credit: poor credit. At this stage, it is difficult for users to enjoy the benefits of Alipay. Next are users of 550-600 with a medium credit rating. Users at this level have a general credit limit, but they can also enjoy some benefits, such as staying in some hotels without paying a deposit. In addition, the most important point is that Huabei service can only be activated with a credit score of 550 or more, which is very attractive to many people. When our credit score reaches between 600-650, the rating is good credit, and we don’t have to worry about traveling. In this era of sharing, as long as our Alipay credit score reaches 600 points or more, we can use Alipay to use shared bicycle services. At the same time, if the credit score reaches 650 points or more, we can also use Alipay’s Harrow and Ubai, Yonganxing and other shared bicycles that cooperate with Alipay without deposit. It is still very convenient! A grade with a score of 650-700 points means that the credit is excellent, and you can enjoy the high-amount treatment of Huabei and Borrowing. Up to 950 points. On the other hand, 700-950 points is the highest level: credit is excellent, and it is convenient to apply for a visa from some countries. Many people’s credit scores are already higher than 600 points, and it is difficult to increase them. Some people are beginning to wonder. Since the Sesame score is so difficult to increase, what kind of people are those who have a Sesame score of 700 or even 900? The first thing that everyone thinks of here is Jack Ma, the founder of Alipay. What is his sesame score? Many people are speculating that as a leader, Jack Ma’s Alipay Sesame credit score is certainly not low, at least 800 points or more? Prior to this, Peng Lei, chairman of Ant Financial and a partner of Alibaba Group, posted his Sesame Credit score of 856 points on Weibo. Regarding Ma Yun’s Sesame Credit Points, in an interview with the media, he wisely answered the host: “Our family’s credit has always been very high.” Judging from the comprehensive evaluation criteria of the Sesame Score, many netizens have concluded that people with a Sesame score of 750 or higher are basically highly educated, and not only have strong profitability, but many of them are company executives. Some of them started their own businesses, keeping up with the times, and their IQs are quite high, and their ability to accept new things is also very strong. Most of them are actively establishing their own social arena. However, with the update of Alipay, Zhima’s credit scores will also be updated accordingly, and those who have done these kinds of behaviors in Alipay before may lose Huabei, be “banned” by the system or close the Huabei function. Take a look quickly. There are already people recruited. Huabei overdue As a commercial software, Alipay’s biggest ultimate goal is to make profit. After using Ant Huabei, if there is no repayment by the repayment date, but there is no repayment ability, Huabei will give you several options at this time. For users to choose, Ant installment or minimum repayment, but there can be no overdue. If it is overdue, Huabei will have a penalty interest, and Zhima’s credit score will also be recorded. At the same time, customer service will notify you to repay. If there has been a continuous overdue situation in the past few months, once it is detected by Alipay, it will directly face the possibility of being shut down. Huabei “cash out” I believe that friends with credit cards know that some people have a tight hand, and usually find a “machine” and then carry out the behavior. This kind of behavior is illegal in the view of the bank and is strictly prohibited. Of course, Huabei is not listed. Some people use the quota provided by Huabei to communicate with some merchants that cooperate with Alipay in advance, to “cash out” Huabei, and then give the merchants some “benefits”. Once this behavior is discovered by Alipay, it will be immediately banned without mercy. Because this behavior has seriously affected Alipay’s capital flow, and Alipay will also conduct manual tests on a regular basis, so friends who have experienced this behavior should pay attention to it immediately and stop it as soon as possible. Borrow money and not repay The first type of behavior is more serious. Generally, users who have opened Huabei are usually users who are judged by Alipay as excellent users. After opening Huabei, Alipay will provide another function besides Huabei according to the usage of Huabei. “Some people naively think that Alipay is just an ordinary software, and Alipay uses one of their mobile phone numbers to register. After using the loan, they maliciously owe money and think that if they don’t answer Alipay calls, they think Alipay can’t find it. He has no choice but to take him, this kind of thinking seems a bit “unreliable”. In this case, Alipay will directly suspend the user’s account, not to mention Huabei, the account cannot be logged in, and then look up your address through Alipay’s database, and will also report the overdue data to the Bank’s credit. Then he filed a lawsuit with the court. Therefore, with a small act, he played himself as a “black house”, and even went to jail in serious cases.
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