Why are you texting when you don't have a credit card?

I don't have a credit card to send text messages, probably because of the following reasons:

1, it may be a swindler.

Whether it is a liar or not, it is really a credit card approved by the bank. You can call the bank's customer service phone to ask in detail, provide your personal information, and see if they have a card approval record. If not, it can be considered a liar.

2. The bank sent it wrong.

It may be that the bank sent the wrong account number when sending credit card bills to others, resulting in the other party not receiving the information, and the customer who sent the wrong account number received it himself.

3. Identity information is stolen.

It may be that the customer didn't keep his personal identity information well before, which led to information leakage and was stolen by criminals to set up a credit card. Because the customer's information is filled in, the bank naturally looks for customers and will not look for criminals who use their identities.

Customers are advised to call the bank customer service after receiving the credit card bill to find out what is going on. If only the bank sends the wrong information, then customers don't have to worry, and there will be no impact. If personal identity information is used by others to apply for a credit card, the customer must explain to the bank that in order to prevent personal money from being damaged, he can report the case to the local public security department.