Who is a cardholder?

A cardholder refers to a person or entity that has been issued a credit or debit card, which allows them to make purchases or access funds from their account. This definition encompasses not just individuals but also businesses and organizations that possess a card for transactions. The essence of being a cardholder is the attribution of rights and responsibilities associated with using the card, which includes the ability to initiate payments or access credit.

In contrast, other options relate to different roles in the financial transaction ecosystem and do not align with the definition of a cardholder. A bank employee who processes transactions is part of the operational side of banking rather than a user of a payment card. A party that writes a check is referring specifically to a different payment method and does not involve credit or debit cards. Finally, the bank that issues the card is the issuer entity and does not hold a card; thus, it does not fit the definition of a cardholder.