[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.