NRS
97A.140 Requirements for issuance of credit card; provision and change
of terms and conditions for use of credit card; applicable state law.
1. An issuer located in this State shall
not issue a credit card to a cardholder unless the issuer first:
(a) Provides the written notice required pursuant
to NRS 97A.145 to the cardholder; and
(b) Receives a written or oral request from the
cardholder for the issuance of the credit card.
2. An issuer shall provide the cardholder
with the terms and conditions that govern the use of the credit card, in
writing, before or at the time of the receipt of the credit card. A cardholder
shall be deemed to have accepted the written terms and conditions provided by
the issuer upon subsequent actual use of the credit card.
3. The rate of interest charged, and any
other fees or charges imposed for the use of the credit card, must be in an
amount agreed upon by the issuer and cardholder.
4. An issuer may unilaterally change any
term or condition for the use of a credit card without prior written notice to
the cardholder unless the change will adversely affect or increase the costs to
the cardholder for the use of the credit card. If the change will increase such
costs, the issuer shall provide to the cardholder:
(a) An identifiable notice of the change at least
30 days before the change becomes effective; and
(b) An opportunity to avoid the change,
including, without limitation, by voluntarily closing the credit card account
after providing notice to the issuer. If the cardholder closes the credit card
account and the issuer provides any information about the account to a credit
reporting agency, the issuer must notify the agency that the cardholder
voluntarily closed the credit card account.
5. Unless otherwise stated as a term or
condition, the law of this State governs all transactions relating to the use
of a credit card if an issuer, or the service provider of an issuer, is located
in this State.
(Added to NRS by 1995,
2598; A 2005,
2502; 2007,
655)
Notes of Decisions
Cited in
5
cases (
1 in the last 5 years), 2003–2026 · leading case:
Shea v. Household Bank (sb), 105 Cal. App. 4th 85 (Cal. Ct. App. 2003).
Shea v. Household Bank (sb), 105 Cal. App. 4th 85 (Cal. Ct. App. 2003).
· cites it 6× “(Nev. Rev. Stat. Ann. § 97A.140, subd. 2.) It further states: “A cardholder shall be deemed to have accepted the written terms and conditions provided by the issuer upon subsequent actual use of the credit card.”
Devon Byrd v. MHC Receivables, LLC, No. A-3399-24 (N.J. Super. Ct. App. Div. May 12, 2026).
· cites it 3× “See Nev. Rev. Stat. § 97A.140(2). The Revised Agreement is also enforceable.”
Merritt v. Credit One Bank, N.A., No. 2:20-cv-01335, 2020 WL 5775749 (D. Nev. Sept. 28, 2020).
· cites it 2× “See Nev. Rev. Stat. § 97A.140 (“A cardholder shall be 11 deemed to have accepted the written terms and conditions provided by the issuer upon 12 subsequent actual use of the credit card”).”
Pacha v. Credit One Bank, N.A., No. 2:20-cv-00148 (D. Nev. Oct. 29, 2020).
· cites it 2× “See Nev. Rev. Stat. § 97A.140 (“A cardholder shall be deemed to have accepted the 3 written terms and conditions provided by the issuer upon subsequent actual use of the credit 4 card”).”
Karen Gonzales v. Credit One Bank, N.A., No. 1:19-cv-00733 (E.D. Cal. Mar. 17, 2020).
“8-1 17 at 6) (citing Nev. Rev. Stat. Ann. § 97A.140(2) (“A cardholder shall be deemed to have accepted 18 the written terms and conditions provided by the issuer upon subsequent actual use of the credit 19 card.”
Nev. Rev. Stat. § 97A.140(2): 2 cases
Karen Gonzales v. Credit One Bank, N.A., No. 1:19-cv-00733 (E.D. Cal. Mar. 17, 2020).
“8-1 17 at 6) (citing Nev. Rev. Stat. Ann. § 97A.140(2) (“A cardholder shall be deemed to have accepted 18 the written terms and conditions provided by the issuer upon subsequent actual use of the credit 19 card.”
Devon Byrd v. MHC Receivables, LLC, No. A-3399-24 (N.J. Super. Ct. App. Div. May 12, 2026).
“See Nev. Rev. Stat. § 97A.140(2). The Revised Agreement is also enforceable.”
Nev. Rev. Stat. § 97A.140(4): 1 case
Devon Byrd v. MHC Receivables, LLC, No. A-3399-24 (N.J. Super. Ct. App. Div. May 12, 2026).
“See Nev. Rev. Stat. § 97A.140(2). The Revised Agreement is also enforceable.”
Annotations are extracted automatically from the opinions in the
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treatment. Dots show Syfertize treatment of the citing case itself.