Kavvz, Golden Key Credit Cards was a legitimate business. But they were never a registered financial company. People knowingly deposited money with them due to the high interest rates they gave and were able to do so as the company was not governed by any financial act.
They took a "deposit" from the customer to issue a credit card, but the credit card was just a cover up, the money was actually for under hand fixed deposit at a very high interest rate just like Sakvithi did!