"Card opening fee" is definitely a financial fraud, please don't believe the other party's deception. It is suggested to keep the other party's information through communication and recording process. If it has been returned to the other party, it is suggested to keep it in electronic certificate and report it to the local economic investigation or public security bureau.
Beijing Anjia World Bank Financing Guarantee Co., Ltd. will pay close attention to similar cases, condemn criminal activities in the name of our company, and report the case to the public security organ in due course. At the same time, we reserve the right to sue all acts that defame and slander our goodwill.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.