Guess they didn ' t not want it enough when it really counted . <| sep |> Thank you for giving out the codes ! <| sep |> It took me 6 to get from Austin to Ft . Worth . Temple had the worst traffic ! <| sep |> Many now want to prove their creditworthiness , with an eye to the spending possibilities it opens up . The most popular rating firms are Sesame Credit , run by Alibaba , and China Rapid Finance , which is in partnership with Tencent , a socialmedia and onlinegaming firm . Alibaba sees over 400 m active users a month and Tencent 800 m . They also offer the rating firms a treasure trove of consumer data . nbspSesame Credit relies on users ' onlineshopping habits to calculate their credit scores . Li Yingyun , a director , told Caixin , a magazine , that someone playing video games for ten hours a day might be rated a bad risk a frequent buyer of nappies would be thought more responsible . Meanwhile , China Rapid Finance scours its users ' social networks . Thanks to its link with Tencent , which owns WeChat , one of the country ' s leading messaging platform , it is able to examine data about their contacts and payments to judge creditworthiness . These are unorthodox methods by many standards . In 2014 Facebook began toying with using social media to gauge users ' credit . But it called the plan off in February 2016 , citing regulatory concerns . Critics thought it creepy . Chinese consumers , however , don ' t seem to mind the privacy invasion . Since it launched in January 2015 , Sesame Credit has amassed 190 m users . This may owe something to the perks bestowed on holders of high credit scores express service at hotels depositwaivers on car rentals even accelerated visas to Singapore . Their scores also rise if they use Alibaba ' s payment service , Alipay , and if their friends sign up for credit scores . So the rating system is in part a loyaltyrewards programme . Having a credit score and showing it off to one ' s friends is now something of a status marker for the affluent young . Sesame Credit has teamed up with Baihe , China ' s largest dating service , to encourage users to flaunt their credit scores on their dating profiles . Ever more are doing soand playing a mobile game , designed by Sesame , in which users guess how their score compares with their friends '. nbspThe pressure to announce one ' s credit score is a response to the deficit of trust in the Chinese marketplace . Emerging from a planned economy , Chinese consumers have found themselves on unfamiliar ground , says Rogier Creemers , a China scholar at the University of Oxford . It takes time to build up a working economy of trust backed by verification systems , so they have tended to rely on facetoface , cash transactions to protect against fraud . nbspAs more people sign up to be rated , the industry may help fuel consumption . Creditcard penetration is expected to grow from 16 % in 2014 to 44 % in 2025 , according to the Demand Institute , a thinktank . But the government has reason to be cautious . China ' s household debt as a proportion of GDP has more than doubled over the past decade , reaching 40 . 7 %. Sheldon Garon , author of Beyond Our Means , a book on spending versus saving cultures , says China is still experimenting with consumer credit . Having noted the disastrous effects of America ' s borrowing binge , its leaders are wary of bubbles and their social consequences . For the Communist Party , one goal is economic growth but another is social stability .