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Xiamen called to say that credit card overdraft is fraud.
Don't worry, the possibility of fraud is very high. My friend was cheated once, and the serial phone call came down, saying that he would transfer to the confidential account of the Public Security Bureau (in fact, the money was transferred to the liar's account).

I suggest you: go to the counter of China Merchants Bank where you are located, or call the customer service telephone number 95588 of China Merchants Bank where you are located. Now you are connected to the national network. Take your ID card to the counter to find out whether your ID card has been used in other places. Don't worry.