I'm not considering answering "yes," I'm considering answering "no" and including a note just to say "if you do a check, you may find a charge" to pre-empt allegations of dishonesty.

Though I will mark you down as a firm vote in favor of "no disclosure, no explanation."

EDIT: Removed a stupid question after noticing your signature.
SECOND EDIT: Also, thanks for the quick reply! I appreciate it.