Scam calls. When I receive a fake or fraudulent phone call from my Pudong Development Bank credit card on my mobile phone, I will be notified that I owe RMB 60,000, but I have not used it. According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": Credit cards refer to various media that record cardholder account information, have bank credit lines and overdraft functions, and provide cardholders with relevant banking services.