The situation when a person is "lost" in a conversation with a Bank employee or a prospective employer, unfortunately, not uncommon. It causes psychological trauma, and has even become a source of insecurity at the level of a phobia. Hiring the ignorance of some terms can be interpreted as a sign of lack of the necessary level of employee qualification, etc. When contacting the Bank for opening accounts or obtaining loans, the ignorance of basic terms and concepts, we can say dangerous, because in this case there is a risk to sign a disadvantageous contract, just don't understand what you say. One of these simple yet complex concepts is the holder of a credit card.

Who is it

The card holder or contribution is its direct owner, i.e. the person in whose name a Bank account or card. The holder can be both physical and legal entity, for example, factory, outlet or any Fund, in one word – organization. In that name or brand is documented with all supporting documents, he signed a contract and it becomes the account holder is able to dispose of them and spend transactions in its sole discretion, to manage it. Any assault of other persons on his property is considered a crime and punishable by law. If the cardholder is a natural person, rather just people, its front side will be engraved his name, initials. Some banks have the practice of placing photos on the map.

Rights of the card holder

The owner (holder) of the card or Bank account, as mentioned above, can dispose of means at them as he wishes. When applying to receive this type of service in a financial institution, the customer is entitled to specify all your wishes, for example, the possibility of obtaining additional cards for their relatives (wives, children, parents) with the ability to control the flow of funds to them. If necessary, the user can lock access to the money in the account or to open it, simply calling the operator of the Bank. In his statement to the financial institution must be given full information on transactions in his account.


Obligations of the card holder described in detail in the cooperation agreement, each Bank requires that the customer own. Main – not to put the card in the hands of third parties (outsiders), not to disclose the password for the operations and immediately inform the Bank about the loss or damage the plastic media to protect their savings from theft.