If the customer is paying as agreed, I don't see the point.....a waste of time and resources in my opinion. What do you do if you determine that (in your opinion), the customer can no longer "handle the line?" Regardless of what you do, it's a way to run off customers. This is just my opinion.
We have our own credit cards and open-ended personal lines of credit. We don't review any of these on an annual basis or otherwise.
The more you sweat in training, the less you bleed in battle.......