Profiling isn’t something that just happens in our airports. Credit card issuers can individually profile borrowers based on where they shop to determine if their buying habits are predictive of risky credit behavior.
Credit expert John Ulzheimer explains that if you have good credit, this should be no cause for alarm. Credit card profiling is typically only done to consumers with bad credit who are already on a short leash with their issuers. And it has no effect on credit reports or scores.