i dont think so, i had a loan and 3 credit cards, which makes the whole idea of showing you have savings a bit pointless if you dont have to declare your debts, as i've said before, if you dont have much money left each month, if your planning to get married and apply for a visa, 6 months before you do, get a loan for £5k from your bank and leave it in your current account, when when you've got your 6 months of bank statements showing your £5k, get married, apply for visa, and pay the bank back..
now have i ever done that
