evnafets:

 

But what if it was stolen / intercepted and the thief then used it and triggered the message? 
What would you suspect in that scenario? 

I for one would not be responding to that text, but almost certainly be giving the bank a call directly about it.  

 

then you call your bank and let them know. They are either going to confirm the transaction and then cancel the card or confirm it was a fraud text.