Not credible. Just spent 188 yuan to open a member. The customer service said that I specified a repayment plan of 40,000 yuan, which was paid back in 10 day, and 2450 yuan was pre-stored. The plan failed after 1 day was returned, and my card balance was 1208 yuan! There is nothing to say about contacting customer service! Lost more than 900, and their software prepaid credit card fees! I can only admit that I am unlucky, and I have to get a new card, because the money in the network card will be stolen, saying that it is to buy insurance for the funds, and then the software shows that it is being processed and has been processed! I hope my experience can give some reference to people who are still using this software!