I didn't close my student bank a/c, will this affect my credit score?

infinikkiandbeyond · 2019-07-23T12:15:04+02:00

Discover how an inactive student bank account in Germany may impact your SCHUFA credit score before your return. Get practical advice here!

infinikkiandbeyond New member

Member since 03 August 2016

infinikkiandbeyondNew member23 July 2019 10:15:04

Hi!

I left Germany in a rush roughly 2 years ago, due to some personal matters.
I processed closure of my German Student's Insurance, however, I overlooked closing my DB Student Account. Now I'm worried if this will affect my SCHUFA credit scores as I am planning to move back this October, hopefully for a longer period of time.

My Deutsche Bank was a secondary account, it was not my main account as I have an active N26 account. I remember that in the contract it said that my bank account had no maintaining balance and no monthly fee for my first year as a student. I think I asked them about how long they will keep my account if it is inactive, and if there will be charges incurred. And for the life of me. I can't remember squat about that conversation anymore.

I only remembered about this account when I was going through for my previous anmeldung and other documents in preparation for my new visa application. I have reached out to DB, but I have not received any response.

You have thoughts about this?

PS
I already received approval for my new Visa, too. I thought that this would have effects on my visa application as well. But seems like it did'nt. Nonetheless, I don't want to mess my credit scores, or if i already did, I would like to rectify and save it.

beppi Germany/Singapore Expert

Member since 08 August 2010

Germany & Singapore Expert

beppiGermany/Singapore Expert23 July 2019 12:54:47

15497

Normally, dormant accounts will be closed by the bank after a certain ime (possibly after an unsuccessful attempt to contact the account holder).
Unless there is a legal case involved (which is very unlikely) or there is a negative balance (above trivial amounts) on the account, this will not have an influence on visa, credit score or anything else.