Advanzia – Reduce credit limit or cancel?
Hi
I have a credit card from Advanzia. A fee-free Gold credit card or something similar.
I've realized I'm not handling it well. Currently, everything is paid off.
Unfortunately, a credit card from my main bank, DKB, is not free.
Which is why I'm wondering if it might make sense not to cancel the card completely, but to significantly reduce the credit limit. I could then still use it in emergencies.
For example, if I have to leave a credit card at the car rental company or at the hotel or wherever one might be needed.
What would be a reasonable credit limit for such emergencies? €500? Or perhaps €1,000? Currently, it's €6,000 or something like that.
Thanks in advance (:
(1 votes)
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Such a strong reduction then severely limits the card even in the case of required bails and in emergencies. With 500-1000€ you won’t get that far.
For normal everyday life you will have the Debit Visa of the DKB. What does the Advanzia just say to temporarily lock and put the card at home in the drawer? If necessary, you will have them parat and also a sufficient limit for everything.
With 500 to 1000 € credit frame you won’t get far.
The question is if you really need it.
Do you even rent a car on holiday? Or is that a “can happen that you want to do that” ding. For the latter I wouldn’t hold a credit card if it’s known that you have problems dealing with it.
If the first one is the case, you can block them at home. Out of your eyes. But you’ll know better than I know if this works or if you’re still trying to use it for others.
500 to 1000 can’t do anything. Deposits can already be higher and the rent of the car may also be over the card.
Lowering credit frames. If really needed
otherwise announce
for car hire, you can also deposit 2000€.