It can be that the bank has business relations with the school, and the leaders of the school provide information about your students for their convenience. It is reasonable to communicate with me when issuing credit cards. Now some banks really do whatever it takes to complete their tasks. But if you don't overdraw that card, you should be fine. It will not affect your credit. However, if you accidentally overdraw and don't pay it back in time, it will be a bit troublesome. Your record will be in the central bank's credit information system, which will have an impact on your interest rate and conditions in the future. For example, you can't enjoy a 3% discount or be a guarantor. The solution is to explain the situation to the card bank and ask it to cancel your record.