The term 'CARD HOLDING' can be summarized by two crossword solutions: TENACE (6 letters) and BAT (3 letters). TENACE is a term used to describe someone who is determined and persistent in achieving their goals. BAT, on the other hand, is an acronym for Bankers Acceptance Test, which is a test used to measure the creditworthiness of a borrower. Both terms are related to the concept of card holding, as they both refer to the determination and creditworthiness of an individual.