Xingyin Business School is not a bank and cannot withdraw funds from your credit card. What they teach is just to better display your information and behavior to banking institutions so that banks will recognize you more. There is also the need to make fuller use of credit resources to solve financing difficulties. Unlike those unscrupulous intermediaries on the market that charge 10% for card applications, no matter how large a credit card they help you apply for, they will not charge any additional fees.