Shanghai Pudong Development Bank sent a message that my arrears were overdue, but I never applied for the number of Shanghai Pudong Development Bank.

In this case, it is possible that someone else used your previous phone number. Moreover, the other party left a phone number for handling bank credit cards on the bill. If the other party fails to pay it back within the time limit, the bank will send a text message to the reserved phone number. You can go to the bank counter with your ID card to explain.