Why do I have 800 sesame seeds that haven't been opened?

I believe many people have applied for Alipay loans. I believe many people also know that one of the prerequisites for opening a loan is that the sesame score reaches 650, but we have encountered many such situations in the actual application process, that is, why can't we open a loan if our sesame score exceeds 700, and why do some guys with a score below 650 or even more than 500 have loan quotas? Many people may be angry, Ma Yun. My sesame score is 700.

Today, we will share the knowledge about how to open a loan. First of all, I still want to tell you that there is no such thing as forced opening technology, and forced loans are deceptive. What we can do is to optimize our Alipay data and Taobao data to meet the conditions for opening loans as much as possible.

Sesame is 700 points, why not borrow it?

Sesame seed is not the only condition for opening a loan, nor is it the threshold for opening a loan. This is just one of the access conditions. To put it more thoroughly, the opening of the family emblem letter szxz4 13 is just Alipay's refusal to open a loan. Ali's purpose is to hope that you can use Alipay and Taobao more, be active and contribute to Alipay and Taobao. After all, there are so many employees in Ali who need to eat.

After the loan was opened, it was closed. There may be the following reasons:

1. There are overdue and credit risks in the near future, including too many overdue products you have applied for in other banks or small loan companies, which may also affect the loan amount;

2. Alipay account has risks such as cash-out behavior. Now there is a secret small business, such as "cash in flowers". Once Alipay Risk Control finds out, your loan amount may be cancelled instantly. I've also seen victims whose loans were cancelled before they were paid off. None of them are left.

3. Alipay is very sticky and hardly uses any products. Suppose you never spend money on Alipay, the frequency of using Alipay products is extremely low or zero, and the loan amount may be withdrawn at any time.

How to optimize Alipay/Taobao data?

Improve your personal basic information, including your name, phone number, avatar and other basic information, especially the avatar. Many people don't care about using an avatar casually. It may be a flower, a landscape or a pet. Here, we suggest you use your real avatar. There is also the improvement of personal information in credit management, including: education, work email, professional information, driver's license, overseas credit report, vehicle information, real estate information, provident fund, credit card bills and so on.

In order to increase the utilization rate of Alipay/Taobao, we can use Alipay to take a taxi and order food, and the delivery address must be at the company address we fill in, and use Alipay to make offline payments, such as supermarket shopping and so on. Taobao is the same. You can shop more on Taobao, but you still need to record your shopping expenses on Tmall every month. Remember to click to confirm the receipt of the goods in time. This is very important, and it is also an aspect of evaluating your credit.

Bind your bank card/credit card. You can bind several bank cards you often use to Alipay, and three are enough. If you have a credit card, you'd better bind it to Alipay, because people with credit cards will have higher credit than those without credit cards, and you can also use Alipay to repay the loan. When binding a bank card, it is best to have running water all the time. If the bank card is not used for a long time, it is best not to bind it. Optimizing the harvest address only needs to keep 2-3 harvest addresses of Alipay, one is your home address, one is your work address, and the other is your household registration address. Delete all the unused or rarely used addresses, and the harvesting address on Taobao needs to be optimized.