China Construction Bank sent me a message saying that I want to change more than 20,000 yuan, but I haven't applied for a credit card yet. Please inform: The text message is as follows.

You can call the customer service hotline of CCB to confirm whether there is a card. If there is, it can be further reflected to the bank, and the bank can further investigate. If not, then the mobile phone number left by the cardholder at CCB is yours. You can also ask customer service to check it for you and see if you can contact the cardholder to change it.