The term "card-carrier" refers to a person who possesses a card. There are several synonyms for this term, including cardholder, cardholder member, member cardholder, and card-carrying member. Each of these synonyms describes an individual who has a membership or affiliation with a particular organization, group, or company that requires or issues a card. Other terms that can be used interchangeably with "card-carrier" may include card user, card owner, and card wielder. Regardless of the specific term used, all of these descriptions imply that the individual is authorized to possess and utilize the card for its intended purpose.