I don’t have a credit card, but I received a call saying that I have an overdraft. The reasons for using a credit card are:

1. My relatives have applied for a credit card, and filled in the phone number of their guardian or family contact. For your own;

2. Telecom fraud calls, after obtaining personal information, gradually trick the person who answers the call, and even threaten and intimidate, forcing the person who answers the call to believe it and transfer money to the scammer's account .