What do you think when you receive a text message on your mobile phone asking you to answer a quiz for a 100-yuan phone bill? Is it considered commercial fraud?

No, but if he deducts fees maliciously, you can just call the local 10086 to complain and get double the refund. They usually won't agree to it at first, but as long as you have a reasonable basis, you can give them a time limit, usually within 3 days. If it still doesn't resolve, you can continue to complain. I have used telecommunications cards in Hubei, Shaanxi, Beijing and other places. Only when someone maliciously deducts my fee, I usually double the fee. In Hubei, I asked for 3 times the fee, and I was refunded 90 instead of 30. Hope this helps.