Abstract: Systems and methods for payment card account portfolio monitoring and optimization that provide issuer financial institutions (FIs) with account holder recommendations about whether or not to take action with respect to one or more of their payment account holders. In some embodiments, the process includes extracting, by a recommendation engine from a payment card transaction database, payment account transaction data of a plurality of payment card accounts, aggregating the payment account transaction data, calculating a payment card account product profitability proxy amount for each payment card account, executing an adaptive optimization process, generating a recommendations file, and then transmitting the recommendations file to an issuer FI computer.