Which term refers to the person named on the face of a credit card or debit card to whom the card is issued?

• A. Authorized User
• B. Cardholder
• C. Card Issuer
• D. Beneficiary

Answer: (B)

The person named on the front of the card to whom the card is issued is the cardholder. This individual is the main account holder and is legally responsible for charges made on the account. An authorized user may be allowed to use the card but isn’t the primary account holder and typically isn’t legally liable for repayments. The card issuer is the financial institution that issues the card, and a beneficiary is a term used in different contexts (like insurance or trusts), not in standard card ownership. So, the cardholder is the person whose name appears on the card and who holds accountability for the account.