Complain to customer service and find out. The bad records should be eliminated. You don’t know where the error came from.

If they don’t handle it, go to the Consumers Association to inquire about the situation first. If you still have no choice but to sue ICBC and the school, this behavior is definitely illegal. I can’t tell what the specific violations are. .

But you have been using that card for so long and you still don’t know it is a credit card. The credibility is not very high. There may be something fishy in the notice issued by the school when you apply for it. Most likely they will not find it for themselves. Troublesome, I guess there is an explanation in the notification.