<prompt> Human: Im a college student and opened up a bank account for the aid I get each semester. My bank charges a monthly service fee if you dont meet certain criteria. Usually at the end of each semester my account is out of funds and the I charged bank fees. Whenever I get charged and see I owe the bank I always pay it each month out any cash I have on hand until the next semester. Well after doing this for a few years now I notice that almost everyday I get flooded with mail containing credit card offers. I actually got several from American Express. Does paying Bank fees on time each month actually build credit and that is why Im getting so many offers?  <response>: No, that has nothing to do with Credit 