Poor account management at home bank, application at another bank?

And indeed, I fell into the tolerated overdraft and received a call. It was settled and I am now solvent again and have said goodbye to gambling forever

Other banks will at most notice if it has ended up in the [Schufa]. Otherwise, data protection applies. Yes, you are worrying too much. No one will bother to scrutinize your account transactions.

Relax, live your life, don’t do anything stupid, save equity for the house.

The banker in me has nothing more to say about that – all your other worries are unfounded

And indeed, I ended up in the tolerated overdraft and received a call. That was settled and I am now solvent again and have said goodbye to gambling forever

I used to work at a bank. If you only knew how many customers I had to remind about overdrafts.... Of course the bank has internal ratings, but they usually change the following month. Then no one cares if there is nothing in the Schufa.

So first of all, great that you are taking care of this so early. You have an advantage over many other people. Banks are really only interested in the most recent account statements. A piece of advice: do not take out consumer loans. Live properly, only buy things you can really afford to pay for in cash. Save diligently. Once for the house and once about 3 months' salary for contingencies. A maximum of one credit card. Every credit card is reported to Schufa along with the credit limit.

And indeed I slipped into the tolerated overdraft with it and received a call. That was settled and I am now solvent again and have said goodbye to gambling forever

Since when do you get a call for that? I actually use my overdraft almost every month. And that for many years. That’s what it’s there for.