41. So cardholders turned to the town's lone grocery, Mize Thriftway. 42. Cardholders can't charge more than they have in the secured account.43. That's assuming the cardholder and merchant can overcome any language barrier. 44. The company operates two banks that it uses to extend credit to cardholders . 45. Special deals will be available to American Express cardholders . 46. It has written off losses and tightened its cardholder requirements, Exstein noted. 47. Higher rates _ called repricing _ are hitting cardholders with splotchy credit records. 48. The surcharges are now mentioned in the cardholder agreements that accompany new cards. 49. But that doesn't mean the cardholder needs to fuel the process. 50. Portelli said most cardholders in Indonesia considered getting the cards for security purposes.