private CreditCardDetailsType createCreditCard(String creditCardNumber, String holder) {
ObjectFactory factory = new ObjectFactory();
CreditCardDetailsType creditCard = factory.createCreditCardDetailsType();
creditCard.setCreditCardNumber(creditCardNumber);
PayerType payer = factory.createPayerType();
payer.setName(holder);
creditCard.setCardOwner(payer);
return creditCard;
}