cardholder
noun [ C ]
uk/ˈkɑːdˌhəʊldər/ us/ˈkɑːrdˌhoʊldɚ/ BANKING, COMMERCE
someone who has been given permission to use a card which allows them to do something, for example a credit card or store card:
The worst thing any cardholder can do in this environment is make a late payment.