The nation's biggest credit card issuers have new data management policies in place that directly affect your ability to retain lines of credit.

Up to now, it's been very common for the banks that issue most of the credit cards in our country to monitor your credit reports and score on a monthly basis. They were using that info as a gauge to determine if they should reduce your credit line, cut it altogether or just raise your interest rate.

Now, however, they may be analyzing other factors. The banks often have other relationships with credit card customers -- through checking accounts, savings accounts, mortgages or car loans -- so they're judging the entire relationship to assess what level of credit risk you represent.

So, for example, constantly running a low balance in your checking account or occasionally overdrawing it may be warning signs to the banks that they need to cut your line of credit.

Of course, not everybody is getting cut these days. Select people are still being sought for their business. In fact, executive producer Christa's friend recently received an ultra-fancy invitation for the Visa Black Card.

This card is supposedly limited to 1% of U.S. residents. It came with a vague description about a fantastic rewards program that wasn't clearly defined. And the card itself is "guaranteed to get you noticed" because it's made out of carbon!

But at what price? The annual APR is 13.24% and the annual fee is $495!