What information is contained in the Cardholder Master File?

The Cardholder Master File is a comprehensive database that contains vital information about individual cardholders and their accounts. This includes essential details such as the cardholder's account number, credit line, account status (open, closed, etc.), billing address, and other personal information necessary for account management and transaction processing.

Having this information organized is crucial for the issuer to evaluate creditworthiness, manage risk, and provide customer service. It supports various functions such as authorizations, fraud monitoring, and account management, allowing the issuer to keep track of the overall health and usage of the cardholder's account.

In contrast, the other options do not accurately reflect the primary information housed in the Cardholder Master File. While names may be included as part of the overall account details, focusing solely on names does not cover the breadth of information necessary for comprehensive account management. Merchant transactions data is stored in separate systems related to transaction processing and reporting, and while cardholder complaints may be recorded, they typically fall under a different database related to customer service or support issues.