I recently applied for a home loan. My broker went through our...

I recently applied for a home loan. My broker went through our bank records and saw my girlfiends Afterpay transactions. She reconmended we get a zero balance letter from afterpay (balance owing was zero). Girlfriend closed the account and provided the bank with the confirmation of closure. All good. Now, I also have an Afterpay account which I rarely use. There were no transactions on the statement from my account and the bank knew nothing about it. In my experience the bank will see it as a liability if there are transactions on your statements even though Afterpay isn't credit reportable