What is the name of this anti-pattern in which a function gets a rich object and uses only susset of the properties?

There is a struct/class called User. It has many properties like firstName, lastName, address, phoneNumber, creditCardNumber, etc.

I need to design a function which validates the a particular user's credit card number. The function can be designed in two ways.

First Method

bool validateCreditCard(userCardNumber string, inputCardNumber string) {
    return userCardNumber == inputCardNumber
}

Second Method

bool validateCreditCard(user User, inputCardNumber string) {
    return user.creditCardNumber == inputCardNumber
}

Out of these two methods, I feel the first method is more precise in its signature and what it does. The second method takes the User as argument and uses only the creditCardNumber field. Second method gets data which it does not depend on. Is this an anti-pattern? If yes, can I get more links on this?