Also depend on where you actually are. If you are in some parts of China, you address someone Xiao Jie, they would either ignore you totally, give you black face or scold you... because to them Xiao Jie means prostitute.
Not really culture, a way to address each other. Woman is very petty kind of creature. You try to call a woman, who is few years older than you, married and with kid, AUNTY. See what kind of reaction they giving you back. They want to be exactly what they are or if you know their names, better use it.
They don't want to be old or low graded, they want to be what they are.