Suggestion:

1, first think about whether you have a credit card. If so, the credit card belongs to that bank. If the bank can't match the phone number, it is undoubtedly a fraudulent letter;

On the basis of bank inspection, don't panic yet. Think about the credit card limit when opening a card. If the credit card limit is lower than this overdraft consumption limit, it can also indicate that it is a fraudulent phone call.

3. If the overdraft limit is within the credit range, you can directly call the hotline on the back of the credit card and turn to manual customer service to inquire about the detailed billing information of the bank card and whether there is overdraft (you can also bring the original ID card to the bank outlet to inquire). If it is inconsistent with the actual manual customer service and outlet inquiry, it is undoubtedly a fraudulent phone call. If you harass again, you can call the police directly or blacken it;

4. If the credit card is really overdrawn, you can issue a bill according to the manual customer service or branch staff, and pay off the arrears in time according to your own situation.