Whether you realize it or not, your credit reports are likely scrutinized often by your credit card issuers – and not just when you initially apply for an account. It is common practice for many credit card issuers to review the credit reports of their customers every single month. As a consumer, it may seem unfair for a credit card company to routinely monitor your credit reports, especially if you are maintaining on-time monthly payments. But changes to your credit history can be an indicator of increased risk. Those changes can help a card issuer detect a potential problem before there’s an actual delinquency on a specific account you already have established with a bank.