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Is a third credit card worth it or does it do more harm to SCHUFA than it does?

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I generally value the best possible SCHUFA, as I may also want to finance real estate in the next few years. I currently have two credit cards: Payback American Express and Amazon Visa. I used to also have the Klarna credit card and a credit card from easyBank, but I canceled them because I was afraid that too many credit cards would worsen my SCHUFA score. Now I'm thinking about whether a third card (e.g. because of travel benefits, cash

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Published
6/26/2026, 1:54:12 AM
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6/26/2026, 6:07:18 AM
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