# Create a cardholder

Creates a new Issuing `Cardholder` object that can be issued cards.

## Request

```curl
curl https://api.stripe.com/v1/issuing/cardholders \
  -u "<<YOUR_SECRET_KEY>>" \
  -d type=individual \
  -d "name=Jenny Rosen" \
  --data-urlencode "email=jenny.rosen@example.com" \
  --data-urlencode "phone_number=+18888675309" \
  -d "billing[address][line1]=1234 Main Street" \
  -d "billing[address][city]=San Francisco" \
  -d "billing[address][state]=CA" \
  -d "billing[address][country]=US" \
  -d "billing[address][postal_code]=94111"
```

### Response

```json
{
  "id": "ich_1MsKAB2eZvKYlo2C3eZ2BdvK",
  "object": "issuing.cardholder",
  "billing": {
    "address": {
      "line1": "1234 Main Street",
      "city": "San Francisco",
      "state": "CA",
      "country": "US",
      "postal_code": "94111"
    }
  },
  "company": null,
  "created": 1680415995,
  "email": "jenny.rosen@example.com",
  "individual": null,
  "livemode": false,
  "metadata": {},
  "name": "Jenny Rosen",
  "phone_number": "+18888675309",
  "redaction": null,
  "requirements": {
    "disabled_reason": "requirements.past_due",
    "past_due": [
      "individual.card_issuing.user_terms_acceptance.ip",
      "individual.card_issuing.user_terms_acceptance.date",
      "individual.first_name",
      "individual.last_name"
    ]
  },
  "spending_controls": {
    "allowed_categories": [],
    "blocked_categories": [],
    "spending_limits": [],
    "spending_limits_currency": null
  },
  "status": "active",
  "type": "individual"
}
```

## Returns

Returns an Issuing `Cardholder` object if creation succeeds.

## Parameters

- [`billing`](https://docs.stripe.com/api/issuing/cardholders/create.md?query=billing) (object, required)
  The cardholder’s billing address.

- `name` (string, required)
  The cardholder’s name. This will be printed on cards issued to them. The maximum length of this field is 24 characters. This field cannot contain any special characters or numbers.

- [`company`](https://docs.stripe.com/api/issuing/cardholders/create.md?query=company) (object, optional)
  Additional information about a `company` cardholder.

- `email` (string, optional)
  The cardholder’s email address.

  The maximum length is 800 characters.

- [`individual`](https://docs.stripe.com/api/issuing/cardholders/create.md?query=individual) (object, optional)
  Additional information about an `individual` cardholder.

- `metadata` (map, optional)
  Set of [key-value pairs](https://docs.stripe.com/api/metadata.md) that you can attach to an object. This can be useful for storing additional information about the object in a structured format. Individual keys can be unset by posting an empty value to them. All keys can be unset by posting an empty value to `metadata`.

- `phone_number` (string, optional)
  The cardholder’s phone number. This will be transformed to [E.164](https://en.wikipedia.org/wiki/E.164) if it is not provided in that format already. This is required for all cardholders who will be creating EU cards. See the [3D Secure documentation](https://docs.stripe.com/issuing/3d-secure.md#when-is-3d-secure-applied) for more details.

- `preferred_locales` (array of enums, optional)
  The cardholder’s preferred locales (languages), ordered by preference. Locales can be `de`, `en`, `es`, `fr`, or `it`. This changes the language of the [3D Secure flow](https://docs.stripe.com/issuing/3d-secure.md) and one-time password messages sent to the cardholder.

- [`spending_controls`](https://docs.stripe.com/api/issuing/cardholders/create.md?query=spending_controls) (object, optional)
  Rules that control spending across this cardholder’s cards. Refer to our [documentation](https://docs.stripe.com/issuing/controls/spending-controls.md) for more details.

- `status` (enum, optional)
  Specifies whether to permit authorizations on this cardholder’s cards. Defaults to `active`.
Possible enum values:
  - `active`
    A platform has enabled the cardholder to approve authorizations made with cards attached to this cardholder. If Stripe’s review of the cardholder’s identity information isn’t complete, authorizations might be blocked, even if its `status` is `active`.

  - `inactive`
    Cards attached to this cardholder will decline all authorizations with a `cardholder_inactive` reason.

- `type` (enum, optional)
  One of `individual` or `company`. See [Choose a cardholder type](https://docs.stripe.com/issuing/other/choose-cardholder.md) for more details.
Possible enum values:
  - `company`
    The cardholder is a company or business entity, and additional information includes their tax ID. This option may not be available if your [use case](https://docs.stripe.com/issuing/other/choose-cardholder.md#find-your-use-case) only supports individual cardholders.

  - `individual`
    The cardholder is a person, and additional information includes first and last name, date of birth, etc. If you’re issuing Celtic Spend Cards, then Individual cardholders must accept Authorized User Terms prior to activating their card.