Changing bank. Is it a good thing?

[filthiestfis]

Lets say I have been with my bank for just over a year and I have been a good customer (I have not gone overdrawn at all and just used the account to get my salary paid in), if I then decide to switch my account and close my current one, will this affect my chances of getting credit? Is it true that the more time you spend with a particular bank, the more likely it is that they will let you borrow money from them?

[factor-fiction]

Presumably you are switching to get one of these £100 incentives for switching. I do it regularly but Idon't always close the previous account- i have one account which I keep ticking over and stays with me. The reason is that some credit providers ask how long you've been with your bank and it's better to say 10 years than 10 days. £100 is a good incentive and there's no harm in doing it- the switchover of DDs etc is usually fairly painless