I never applied for a bank credit card. Why does CCB remind me to repay?

First of all, we must confirm whether it is a reminder message sent by the bank, not a fraudulent message. It is recommended to call the bank card credit card center directly for verification. If the information is sent by the bank, it can be found.

If so, there are two situations:

One is that the identity card was stolen by others and a credit card was obtained. In this case, it is suggested to complain directly to the bank and report it to the public security organ for handling.

The other is that the mobile phone is bound to someone else's credit card, so you can go directly to the counter to modify it.

Both of these situations can be found, and it is recommended to go directly to the bank outlets for enquiry.

Extended data:

Stealing other people's ID cards to handle credit cards should bear corresponding legal responsibilities, and the relevant provisions of Article 196 of the Criminal Law shall apply.

Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud in any of the following circumstances. If the amount is huge, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(1) Using a forged credit card;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

China travel. Criminal law of the people's Republic of China