Needless to say, it must be a scam call. If you don’t have a credit card, how could they call you? If the credit card has your phone number, there will be reminders for your phone every month. As a reminder, in the first month, the text message notified you that you spent more than 10,000 yuan. If you did not use it yourself, you can go to the bank to complain. Why did you get notified by phone? One word, fraud