<prompt> Human: I went into a bank to open an account and apply for my first credit card in the US. I told the banker my university for my college credit card application. He wasnt familiar with the university and told me it would be better if he just put down the name of a local college. He put in the application and it got approved. I clearly saw him skip over a screen that said read this to the customer. Im worried that this will be considered fraud and that it will be on my record. I want to get this fixed but Im worried that if I admit to it, I will get in trouble. Any advice? What is my legal standing at this point?  <response>: I would bet that branch has a quota of that university they have to recruit for new accounts. Its pretty common for retail banks to have internal sales competitions and goals.So yes, they probably cheated at their internal process, but that should not affect your account in any way. Your college is not reported on your credit report. 