The text message was sent incorrectly. If you do not have a Ping An Bank credit card but receive a text message saying that using the card violates regulations, it is because the bank staff was negligent and sent the wrong phone number. You can report it to customer service staff. Ping An Bank, whose full name is Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by Ping An Insurance (Group) Co., Ltd. of China. It is one of the 12 national joint-stock commercial banks in mainland China.