If you didn't receive the card and didn't activate it, then your card can't be used, but it has been used now. I think there are only two reasons, that is, people who know the application information receive the card activation and then use it. The second reason is that there are problems within the bank. One way is to ask the bank to call up the signature of the original list of credit card consumption, file a case after identification, and the public security organ will solve the case.