He is a liar. All the credit card, financing and loan businesses handled in different places and based on the Internet platform are basically scams, especially charging pre-lending fees such as material fees, security deposits and personal insurance premiums, charging fees from individual (so-called legal person, manager and financial controller) bank accounts, or asking to reserve the mobile phone number bound to the bank card as the other party's mobile phone number to verify the financial strength (repayment ability) and other reasons.