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

Thanks anyway for your reply. I appreciate that you want to reassure me, but I find a fully automated credit check more frightening than relieving. Not knowing where certain information is floating around out there and that a computer and algorithms decide my future doesn’t really comfort me. Of course, I might sound pretty paranoid, and in principle there is strict confidentiality in banking, but should I really let myself feel safe there? And one more question: How do you know that? I think the local Sparkasse/Volksbank here still do it manually, but I could be wrong. Best regards and thanks

I have a few more questions:

My current plan looks like this:
I want to change banks in the medium term because I have simply accumulated too much debt there (online poker, overdraft, returned direct debits) and I think that I will never be able to apply for a loan there again. I only have concerns that after I have opened an account at another bank and have had good account management there for several years, when applying for a loan, they will request a bank reference from my old bank. Is that realistic if the bank account has already been closed for several years by then and I can look back on a several-year relationship with the new bank?
I was thinking of keeping the account at the old bank "clean" for at least 12 months before switching, and then only switching so that it looked good before the bank reference is requested.
Does all this make sense? I think that good trust with the main bank might help me later if I apply at a different bank and they (which apparently is not common with private individuals) request a bank reference. That way, at least, I would have a main bank relationship of several years with good account management.

And now another thing: My current main bank (Sparkasse) wants to sell me a building savings contract from LBS. LBS is a subsidiary of the Sparkasse as far as I know. Should I be concerned that they exchange information when the loan becomes due for allocation? There will also be a credit check there, and they can also request bank references, or I do not even know if they have to if they are a subsidiary of the Sparkasse. But as I said, I would already be with the new bank then, and I would not know if they would request one again from the Sparkasse. The account connection would no longer exist, but the data would definitely be available and then they might put one over on me, who knows....

Best regards and many thanks if someone could give me answers.

Oh dear, change your name.. you have received so much information and that it is irrelevant, etc. And yet you keep going on about it.

Worse than your house bank and Schufa are the small rating companies like Creditreform, etc. They use the small amounts from online poker for evaluation.

I haven't heard that until now... I thought Creditreform is only for companies? How do you come to the assumption that they collect data from something like that?

So if you feel uncomfortable with your bank, then just switch. But if they’re just trying to sell you a building society savings plan, then obviously they want to do business with you. I don’t see any “they definitely want to get back at me!” No one will be looking at your account transactions from yesterday in a few years, neither your main bank, nor any building society, nor other credit institutions. They want to make money and they don’t want to take too much risk, that’s all. If you haven’t gone bankrupt and there are no outstanding warrants against you or they haven’t had any legal proceedings against you or anything like that, then you’re probably far far far far away from being their “worst customer.” Like I said, if you still want to switch to ease your own conscience, then just do it, but that’s your thing.

I haven't heard that until now... I thought Creditreform was only for companies?
How do you come to the assumption that they collect data from something like that?

Try searching for "purchase on account not possible" and read through it.