if targetUser == "" {
		targetUser = cred.AccessKey
	}

	description := createReq.Description
	if description == "" {
		description = createReq.Comment
	}
	opts := newServiceAccountOpts{
		accessKey:   createReq.AccessKey,
		secretKey:   createReq.SecretKey,
		name:        createReq.Name,
		description: description,
		expiration:  createReq.Expiration,
		claims:      make(map[string]interface{}),