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Cancel N26 Black

  • 05-10-2017 4:09pm
    #1
    Doylers
    Registered Users, Registered Users 2 Posts: 1,704 ✭✭✭


    Hey guys question for you. Have an N26 black account, its 50euro for the year paid monthly. I haven't used the account in months, basically the novelty wore off. The account is overdraw by 12euro at the moment and they have sent an email saying the account will be closed off. My question is would this affect my credit rating in any way ? I'll pay the 12 + whatever for the sake of it if my credit score were to be impacted.

    Just curious


Comments

  • #2
    alksander
    Registered Users, Registered Users 2 Posts: 69 ✭✭alksander


    I believe N26 is only reporting to SCHUFA (the German credit score agency), but you have check the T&Cs to confirm this.

    Though for the sake of a few euros I wouldn't risk closing it in debt.

    It is very unlikely though you'd be able to open any account in the future if SCHUFA has a debt recorded against you (they are super strict).


  • #3
    Doylers
    Registered Users, Registered Users 2 Posts: 1,704 ✭✭✭Doylers


    alksander wrote: »
    I believe N26 is only reporting to SCHUFA (the German credit score agency), but you have check the T&Cs to confirm this.

    Though for the sake of a few euros I wouldn't risk closing it in debt.

    It is very unlikely though you'd be able to open any account in the future if SCHUFA has a debt recorded against you (they are super strict).
    I ended up transferring the few euro late and the account was closed :dizzy: Oh well whats done is done now! Thanks for your response


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