[Semaphor]

I had a similar experience. I wanted to cancel my old credit card but couldn't find a way to do it online. As there were no fees I just ignored it. Well, it turned out that my VPN still had it as the payment method and so I got a bill to please pay my negative balance (they require at least 10% to be paid off after a month).

Of course, I paid. But it turns out that I need to contact them to unlock the card after I had a negative balance. I kept postponing it and kept getting 0€ bills every month. After 3 months they told me they are sorry to see me go but they'd have to cancel my account because of a balance of -0€.

It was kinda funny but worked out well :D

[superqwert]

I've tried to cancel a credit card and told I needed to withdraw all money first (I had +£5). I withdrew it, and asked them to cancel it again. They started processing, but by the time they had got anywhere, I'd acquired interest (1p) and they refused to cancel the card.

[Shish2k]

I had the same thing, after leaving the country - I had to fly home to take 1p out from the bank in person. "Don't spend it all at once!", the bank teller told me :P

[yitchelle]

Not sure if this would actually occur but would it be a negative mark against your credit score if they had to close your account due to non-payment of a -0€?

[namdnay]

Credit scores are an American construct :)

[yitchelle]

The Germans have their own version - Schufa [0]. :-( Most of other countries also have versions too.

[0] - https://en.wikipedia.org/wiki/Schufa

[Semaphor]

While we have Schufa, you should not (and I did not) get an entry for 0€ debt. Schufa is far simpler than the US credit score.