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Credit Card Glossary: Terms and Definitions

Confused by credit card terms? CreditCards.com's glossary of credit card definitions will help. From account holder to Regulation Z, we have defined the most-common and most-confusing credit card terms.


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Bank holding company

A bank holding company is a firm that owns or controls interest in one or more U.S. banks. All of the largest credit card issuers have, at the top of their corporate structure, a bank holding company. Bank holding companies are regulated by the Federal Reserve Board. The board is responsible for regulating and supervising bank holding companies, even if the bank owned by the holding company is regulated by another state or federal agency.