I suggest you check the identity of the sender of this short message first (for example, whether it belongs to an authoritative organization, such as China Industrial and Commercial Bank 95588). Secondly, you can go to any bank in China with valid ID to check the credit report, and you can see all the loans, credit cards and other information in your name in the personal credit report.
There are too many scams in telecom and online now, so don't be deceived. If there is any abnormal situation, it is recommended to call the police immediately and inform the bank so that the bank and the police can handle it.