1, mostly on Ali e-commerce platforms such as Tmall, Taobao and Juhua. Of course, online shopping is also particular. Don't always look for some cheap goods, but also buy more big items such as home appliances, fitness equipment and handicrafts.

2. Make more use of Alipay credit card repayment function to make timely repayment. At present, Sesame Credit is not connected with the central bank's personal credit information system, and the credit information records are mainly the repayment records and credit account history of past credit accounts. Since there is no personal loan record, credit card repayment record is particularly important.

3. transfer money with AliPay. The personal relationship between Alipay users is based on transfer and payment on behalf of others. If you keep in touch with your friends frequently, your credit score will be much higher.

4. Buy more wealth management products on Alipay. At present, Alipay not only has Yu 'ebao, but also has access to Lucky Treasure. The greater the amount invested by users, the more frequent it is, and the higher the score will naturally be.

5. Apply the life service provided by Alipay. Such as water, electricity and coal payment, rental information, hotel air ticket reservation and other functions.

6. More love donations. At present, Alipay has an entrance for love donation. If you donate regularly, regardless of the amount, the accumulated credit will naturally be higher than those who don't donate.

Six, don't-

1, frequently change the bound mobile phone number. Yu Zeng, chief credit data scientist of Ant Financial, once said, "If a person's mobile phone number 10 has not been changed for years, you can safely lend him money." He also said that for the whole population, the longer the mobile phone number is used, the lower the default rate, only 5%, or even 1%.

2. Never give a red envelope. Generally speaking, comrades who love to give out red envelopes are usually not short of money, and they are charitable and have good credit, so those who never give out red envelopes expose their shortcomings.

I don't have a credit card, or I can't repay it on time. If you don't have a credit card, or if you have a credit card but don't spend it online often and don't repay it on time, your credit score will be reduced.

4. The receiving address is unstable. The person in charge of JD.COM Baitiao once said: "If a user's delivery address changes frequently, we will think that his credit is not as good as those users with long-term stable delivery addresses."

5. Online shopping always does not take the initiative to receive payment. Online shopping is always waiting for default payment, which is not a good credit habit. So remember to take the initiative to pay as soon as possible after receiving the goods and give the buyer an evaluation in time.

6. Taking a taxi makes the driver "pigeon". Now there are fast taxi and car Inc. applications on Alipay. If a taxi is reserved but the driver finally "pigeons" or the car is not returned in time, this behavior may be considered as a poor performance and will be included in the database.