This situation is generally that the last user who uses the mobile phone number you are using did not change the mobile phone number reserved in the bank in time, so the bank information continues to be pushed to you.

If you are sure that you have never used this bank's credit card, you can ignore such short messages and don't click on the link easily;

If you are still not at ease, you can take your ID card to the corresponding local bank outlets to check whether it is true.