I don't have any credit cards or any other debts with my bank; but my bank adamantly refuses to put that fact on the POF. The POF currently just lists the account balance (with 6 months average and everything else needed), does not say anything about debt at all. While technically the POF does list "all outstanding debts" (which is none), but does there need to be an explicit statement that I have no debt with the bank? thank you...