We study the effect of banks’ cross-selling on household credit. Using administrative register data on bank–household relationships in Denmark, we measure cross-selling via households’ holdings of noncredit products. Our identification strategy exploits plausibly exogenous shocks to cross-selling relationships resulting from bank mergers. We document the following findings. First, cross-selling increases credit access and lowers interest rates: treated households see loan amounts rise by about 22% and interest rates fall by roughly 60 basis points. Second, these effects are stronger in low-competition markets. Overall, our findings imply that cross-selling has an economically significant impact on household credit and can exacerbate credit inequality.