diff --git a/service/cards.js b/service/cards.js
index c955762..30a046b 100644
--- a/service/cards.js
+++ b/service/cards.js
@@ -52,37 +52,17 @@ var cards = {
                         billing: {
                             address: {
                                 line1:  req_data.address,
-                                city:  result.rows[0].city,
-                                state:  result.rows[0].state,
-                                postal_code:  result.rows[0].postal_code,
-                                country: result.rows[0].country,
+                                city:  req_data.city,
+                                state:  req_data.state,
+                                postal_code:  req_data.postal_code,
+                                country: req_data.country,
                             },
                         },
                     };
 
                   logger.log("REQ=>", ReqParam);
-                  
-                    const cardholder = await stripe.issuing.cardholders.create({
-                        name: req_data.name,
-                        email: 'jenny.rosen@example.com',
-                        phone_number: '+18008675309',
-                        status: 'active',
-                        type: 'individual',
-                        individual: {
-                            first_name: req_data.firstname,
-                            last_name:  req_data.lastname,
-                            dob: {day: 1, month: 11, year: 1981},
-                        },
-                        billing: {
-                            address: {
-                                line1: '123 Main Street',
-                                city: 'San Francisco',
-                                state: 'CA',
-                                postal_code: '94111',
-                                country: 'US',
-                            },
-                        },
-                    }).then((callResult)=>{
+
+                    const cardholder = await stripe.issuing.cardholders.create(ReqParam).then((callResult)=>{
                         console.log("Ameye **************************** AMEYE ----- ");
                         console.log(callResult);
                         let resultItem = {