At present, there are indeed many banks that handle credit cards for customers, but customers do not open cards, but there are annual fees and other phenomena. If they don't pay the annual fee, they will have corresponding bad credit records. In this case, the school, especially the bank staff, did not make it clear that this card belongs to a credit card, but as a customer, you did not receive the physical card and did not call the customer service. It is also your negligence to modify the corresponding address.

Considering that the current banking system has failed to achieve national business synchronization, I suggest that if the telephone contact is invalid, you can entrust a lawyer to send a lawyer's letter for you, claiming that the bad consequences caused by the bank's work mistakes will be borne by the bank. Ask the bank to eliminate bad records and cancel the card to compensate for the actual losses caused by it (this appeal is optional).