Is the Xin Kai loan true? Should be safe and reliable.

This is a lie, it's a fake! Just after consulting, I will deduct 296 yuan from you casually, saying that it saves the credit fee and will pay you back 7- 15 days after the loan. Don't reveal anything about bank cards! My friend inexplicably deducted 296 yuan and hasn't paid it back after half a month. He was about to call the police.