If you have never applied for a bank credit card but receive a reminder text message from China Construction Bank, you must first ensure that this is not a fraudulent message. It is recommended to contact the bank's credit card center directly for verification. The authenticity of the text message content can be verified.

There are two possible situations:

First, your ID card information has been illegally obtained by others and used to apply for a credit card. In this case, you should immediately complain to the bank and call the police, because it is illegal to use someone else's ID card to apply for a credit card and violates Article 196 of the Criminal Law of the People's Republic of China. You may face criminal liability, including five years. The following imprisonment and fines.

The second is that your mobile phone number has been mistakenly linked to someone else's credit card. The solution is simple, just go to the bank counter to modify the mobile phone binding.

No matter what the situation is, it is recommended that you go directly to the bank branch to check the specific details and handle it accordingly according to the situation. Remember, it is important to protect the security of your personal information and prevent incidents like this from happening.

For details, please refer to the relevant provisions in the "Criminal Law of the People's Republic of China" on Hualv.com.