1. Your card was issued before the new credit card regulations were promulgated. If it is not activated, an annual fee will be charged, resulting in arrears.

2. Someone else's Industrial Bank credit card entered your mobile phone number for various reasons, and he owed money, which caused you to receive a text message.

Credit is no small matter, so don't affect your future loan to buy a house and a car. I suggest you call customer service in time to avoid leaving malicious bad credit.