Values are not distributed to all the columns in csv file . It is writing only in first column

for row in rows:
    writer.writerow(row)

That writes each element of rows on a separate line; it should be:

writer.writerow(rows)

Also you do not need all those extra square brackets, the list should simply be:

rows = [userr_name,passwordd,card_balance,0]

[EDIT]
My modified code:

import csv

userr_name=input("Enter your user name that you want to create:")
passwordd=input("Enter the strong password:")
card_balance=int(input("Enter the amount to be stored:"))
column_names = ["USERNAME","PASSWORD","CARD_BALANCE","PENDING_AMOUNT"]

rows = [userr_name,passwordd,card_balance,0]

with open('dataframe.csv', 'w', newline='') as file:
    writer = csv.writer(file)
    writer.writerow(column_names)
    writer.writerow(rows)

And the results:

C:\Users\rjmac\Documents\VSCode\Python>python cp.py
Enter your user name that you want to create:Richard
Enter the strong password:password123
Enter the amount to be stored:45

C:\Users\rjmac\Documents\VSCode\Python>type dataframe.csv
USERNAME,PASSWORD,CARD_BALANCE,PENDING_AMOUNT
Richard,password123,45,0

[/EDIT]

rows = [userr_name,passwordd,card_balance,0]