A Cardholder is an individual or an entity bestowed with a credit or debit card by a card-issuing institution, typically a bank or another financial institution.

As a cardholder, the individual is authorized to execute transactions with the card within the stipulated limits set by the issuing institution. The array of transactions could vary from making purchases and cash withdrawals to conducting balance inquiries.

The cardholder is obligated to ensure the security of their card and repay any borrowed funds in the case of credit cards, along with any accruing interest, penalties, or fees.

For debit card users, transactions result in immediate funds deduction from their connected bank account, necessitating prudent financial management.