The aforementioned risk warning is not in the historical article of Tencent Credit Public Number. Tencent Credit did not push this message to all users. It is the automatic reply content after the user's attention.
10 o'clock that night, this message was replaced by "Hello, welcome to Tencent credit! Tencent credit nationwide beta open beta is now over, we are accelerating the upgrade, so stay tuned!"
It is noteworthy that Tencent Credit did not make this beta at the time this is a "time limit" activities. Some media quoted rumors that the Tencent credit cent points on the line that is off the assembly line because of regulatory shouting and said it would "affect" sesame credit.
In order to deal with the increasingly prosperous sesame credit, Tencent carefully crafted its own Tencent credit system, and has open beta, also provides a variety of high credit benefits.
Tencent credit points minimum 300 points, up to 850 points, a total of five elements of judgment, including performance, security, wealth, consumer and social, high credit users can enjoy the services currently available, including particles lending money, scanning code car, installment also credit card , Super will be exclusive benefits, rent-free rent, exempt from riding and riding, free car rental, mobile extension and so on.
Tencent credit inquiry in two ways, one concerned about the "Tencent credit" WeChat / QQ public number, I directly check the points to be selected, the second is in the mobile QQ QQ wallet - account, choose to view my credit points.
In August last year, Tencent quietly opened the channels of WeChat credit inquiry to QQ super members. Subsequently, Tencent Credit opened credit sub-queries in Guangzhou, Shenzhen and other cities.
Tencent credit points to take the same interval system, from 300 to 850 points, and ant gold clothes under the same sesame points, Tencent credit points also includes five dimensions of a comprehensive assessment that performance, security, wealth, consumption, social.
Specifically, the usual loans, credit cards, installments and other timely repayments, personal information is accurate, whether to change the contact information, the composition of various types of assets, micro-channel mobile phone QQ how the behavior of contacts, will be from the five Dimensions affect your credit rating.
Tencent credit points are also dynamic, users can include credit cards in a timely manner, on time to pay utility bills, complete credit information, money or pass in the WeChat binding bank cards and other ways to enhance their credit points; However, if there credit card Failure to repay loans on time, loan defaults and other bad behavior, then the credit branch was lowered.
Different from sesame credits According to users 'various types of consumer and behavioral data on the Internet, combined with traditional financial lending information and other alternative data and other information, Tencent's credit scores are based on users' WeChat, QQ and other Tencent platforms Internet data derived.
In the application scenario, Tencent credit financial credit services include cash lending, consumer installment, after the first pay, apply for credit cards, etc .; life credit services including ETC first postpaid, unsecured ride, rent-free rent toys, ten thousand new car Wait.
Although the formal entry into the public view of the time difference between a full three years, it is clear that backed by Ant Financial and Tencent sesame credit and Tencent credit have a similar starting point. (Source: fintech Frontline Network Synthesis)