Should I have two credit cards running at the same time? I want to switch my credit card provider for better terms.
(1 votes)
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Does the old credit card have fixed costs (month/year fee)? If I didn’t, I’d keep it first. The request and registration of the new card in the Schufa can reduce your scores a bit. There it would be unnecessary if additionally a positive feature, like your previous (already used?) credit card, falls away. I would therefore not announce it until the new one already exists for at least one year. If at all, a second card as backup would not be a disadvantage.
If the old credit card naturally causes running costs, I would cancel them after the new one is there, everything runs perfectly and you are satisfied. In a dismissal before requesting the new ones, I do not see any sense here either. Your “applying” at the new one looks a little better, with an already existing credit card and a good score.
You don’t have to quit the old one. I also have four KK from different providers.
Of course you can have more than one KK at the same time.
Garkein problem.
What action would be more sensible with regard to Schufa score? Mine is very good, so I definitely want to get it.
Schufa doesn’t always cook the clearest bite.
2 KK are not problematic. I have two and a score somewhere at 97.
What Schufa does not like is change. So it can be the artist of the old and opening the new temporarily has worked out. I don’t have to. This is a rumor not a proven fact.