The best way is to call and ask, many text messages are set up to wait for you to jump in. You can check the telephone number of Ping An Bank Credit Card Center through 1 14. Never reply to text messages. If the bank says you really have a credit card, but you don't do it, then you need to call the police. Only in this way can we safeguard our rights and interests. Don't delete the text messages either. It can be used when calling the police.

If the bank says you didn't apply for a credit card. So it can be ignored.