When is credit check API  called as part of the OM workflow ?

I want to know  when is the credit check API  called as part of the OM workflow ? Any suggestions on how to know when is the call to the credit API is made ?
Thanks in Advance.

Thanks Rick, hopefully I can get that to work properly for me...
And thanks for the link Todd, though it doesn't mention anything about the issue I'm curious about...
One more related question... If I turn off the Ray Traced 3D renderer after I've created an object, and then turn it back on at a later point, will it remember the settings of the 3D object?

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