There are two situations:
1. Your mobile phone number is bound to someone else’s credit card, and you receive a text message.
2. The ID card information was used by criminals to apply for a credit card.
First contact Bank of Communications customer service for confirmation, call customer service and then transfer to manual to report your ID number. If there is, lock the card as soon as possible. Guarantee the lowest loss
Then the People’s Bank of China will make a credit report.
Extended information
Example:
Received a bank reminder note
Ms. Yu is 26 years old and lives in Taiping, Changling County Shan Zhen, now working in Changchun, is a doctor. Ms. Yu said: "On the 15th, I received a call from my father, saying that I had a debt notice mailed to my home. I was still wondering. I had never owed anyone money, so how could I have it? Notice?" After questioning, I learned that this bill was sent by the bank, and it clearly stated that the credit card debt in her name was 13,500 yuan, which needed to be paid off within one month.
Ms. Yu put down the phone and began to recall that she had never applied for a credit card, let alone overdrafted more than 10,000 yuan. This 13,500 yuan bill made her confused. Ms. Yu said: "My friends all asked me if it was a scam and I didn't need to pay attention to it, but the bill was mailed to my home, and the reminder note stated that if the debt is not paid off within a month, there will be a bad record. It will affect my credit in the future. "
I have lost my ID card twice
When Ms. Yu was at a loss, she suddenly remembered that she had lost her ID card twice. She wondered if her lost ID card had been taken away and used by someone else to apply for a credit card.
She said: "I lost my ID card once in 2009, along with my wallet. There were two bank cards in the wallet. The second time was in September last year. I put my ID card in a friend's bag and lost it." I applied for a replacement ID card after it was lost, but did not declare the loss of the ID card. I thought that after applying for a new ID card, the old one would naturally become unusable. I didn’t think too much about it. Ms. Yu said: "Perhaps I lost my ID card and someone else used it to apply for a credit card.
ifeng.com - I didn't apply for a credit card but received a debt bill