Don't look up here

Yes, it's called a credit score

I am the bank balance and I confirm.

As a person who used to work at a financial institution, there have been several WTF moments when I've had to assist members with their accounts.

Definitely. I read one of my credit card statements this morning and wondered wtf I was doing.

My bank account has been suspended a few times because of the randomness.

As someone who just had their credit card cancelled by the bank, I'm going to say yes they do