After draining the bitconnect, I no longer trust credit coins. Playing with them, there is a very big risk of losing everything. Choose something else, the market has a lot of good coins.
As what Kryptpnitka have posted, it is true. The way these lending coins works is the same as ponzi schemes. When there are enough people to sustain to pay off the initial investors, the scheme would work but it is a bubble that can pops easily. If majority of users were to withdraw all their token together at the same time , it would crash to rock bottom.