n.持有信用卡的人；持有正式成员证的人；(持卡可获得某种权利的)持卡人
As a cardholder, you can make your choice according to your needs. 作为持卡人，您可以根据需要选择。
And they will have to write their cardholder agreements clearly and publish them online. 并且信用卡公司将会写清持卡人协议并公布在网上。
