I just received a text message from Chengdu Pratt & Whitney Credit Card, but I haven't applied for a credit card yet.

Sending a letter is Pratt & Whitney Express Loan, which is a shopping installment handled by a small loan company, not a credit card.

It's for your friend, it's none of your business. Maybe she left your phone number or an emergency contact left you.

Reading text messages should have nothing to do with you. It's just that the small loan company contacted your friend's family and friends after the deadline, which is not necessarily a scam message. You can contact a friend to confirm it.