Bhavesh, Theoretically, you have no obligation to hire a manager. As far as I know F-1 visa comes with limitations (which you should research carefully, preferably using the help of...
(a) You made a typo in the card number, CCV code, expiration date, name or address;
(b) Your card balance is too low;
(c) Issuing bank has declined this transaction for some other reason related to your account.