Do not switch.

I have been making use of the temporary loan facility on my account for a few months now without any problems with only a small amount of money going through the account every month, in April i switched my salary to the same account and for some reason now it keeps declining, so you stand a better chance for a loan with little to no funds going through the account??? this is ridiculous, i have never been late with a payment so this just doesn't add up. My opinion do not switch.