A 95559 text message said that I owed money to a Bank of Communications credit card. I didn't even know I had a credit card. How do I check whether I have applied for a credit card?

The hotline of Bank of Communications credit card is 400-800-9888. Just ask the manual customer service for confirmation according to the voice prompt.

Consequences of lending your ID card and bank card to others:

Bring your ID number and bank card. Although he doesn't know the password, he can report the loss and apply for a new credit card. Ask him about his specific purpose. Generally speaking, as long as he has an ID card and a bank card, he can go to the bank to handle business, such as changing and resetting the bank card password, so that he can directly transfer the money on the bank card. He can also apply for multiple credit cards with your ID card. If he only spends and doesn't pay back the money, all the expenses will be paid by you. I can only tell you that it's dangerous. It is not recommended to lend the bank card with your own ID card to others, because if the other party uses this bank card to engage in illegal activities, it may implicate the cardholder himself. Although the responsibility can be investigated afterwards, it is very troublesome.

Therefore, I suggest you ask him what his specific purpose is. If you really need it, you need to assess the risks you take, and you'd better go to the scene in person.

Now there is a crime of defrauding the victim's ID number, bank card number, name and mobile phone number. This information is necessary to use online banking. As long as the criminal can successfully modify the mobile phone number bound to the victim's mobile phone bank, if the number becomes the criminal's mobile phone number, all the funds in the victim's bank card will be transferred by the criminal.

The criminal's modus operandi is simple. Close the mobile banking business with the victim number bound to the victim through the online banking channel, then open the mobile banking business with the criminal mobile phone number bound to the online banking channel, and open the mobile banking business on your own mobile phone. Start the mobile banking function, and then use the mobile phone to transfer the funds in the account to the criminal's bank account.

Although it is not clear how criminals get the passwords for online banking login and online banking transactions, the money in bank cards is sometimes transferred to others because the ID number, bank card number, name and mobile phone number are disclosed to others.