Establishing credit at your bank is more than borrowing money. Opening a checking and savings accounts demonstrate to your bank some stability and with regular deposits and proper money management, that you will be responsible with your money, and that which you borrow. Next, apply for a small loan or a purchase at a department store. Ensure that they report your credit history as that is one of the objectives. As you have needs, you borrow and repay, larger amounts each time. In some circumstances you may need cash collateral from your savings account or a co-signer. What is important is that you repay the loan as scheduled, never late. If any payment is to be late, talk with your creditor and make alternative arrangments. They may be able to assist you with a payment extension, an interest only payment or some other solution. Communication is important, second only to paying on time.
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Establishing credit at your bank is more than borrowing money. Opening a 