Nevada Revised Statutes
Chapter 97A - Debt Evidenced by Credit Card
NRS 97A.150 - Liability for charges incurred on credit card account.


1. A cardholder is personally liable for all charges incurred on his or her credit card account by:
(a) The cardholder or an authorized user; and
(b) Any other person if the charges result in a beneficial use to the cardholder.
2. An authorized user is jointly and severally liable for the actual charges the authorized user incurs on the credit card account of the cardholder.
3. Any person, other than the cardholder or an authorized user, is liable for all charges the person incurs on the credit card account of the cardholder, except for the amount for which the cardholder is liable pursuant to 15 U.S.C. ยง 1643.
4. Any person who causes an issuer to open a credit card account based on a false or fraudulent application is liable to the issuer for all charges incurred on the account, without regard to whether the charges were authorized by the person responsible for opening the account.
(Added to NRS by 1995, 2599)

Structure Nevada Revised Statutes

Nevada Revised Statutes

Chapter 97A - Debt Evidenced by Credit Card

NRS 97A.010 - Definitions.

NRS 97A.020 - "Authorized user" defined.

NRS 97A.030 - "Beneficial use" defined.

NRS 97A.040 - "Cardholder" defined.

NRS 97A.050 - "Credit card" defined.

NRS 97A.060 - "Credit card account" defined.

NRS 97A.070 - "False or fraudulent application" defined.

NRS 97A.080 - "Financial institution" defined.

NRS 97A.090 - "Interest" defined.

NRS 97A.100 - "Issuer" defined.

NRS 97A.110 - "Joint account" defined.

NRS 97A.120 - "Secondary cardholder" defined.

NRS 97A.130 - "Service provider" defined.

NRS 97A.140 - Requirements for issuance of credit card; provision and change of terms and conditions for use of credit card; applicable state law.

NRS 97A.142 - Verification of identity of person accepting firm offer of credit: When required; actions deemed to be verification of identity.

NRS 97A.145 - Issuer to provide cardholder with written notice concerning unlawful use of personal identifying information and credit information of cardholder; compliance with federal law deemed compliance with section.

NRS 97A.150 - Liability for charges incurred on credit card account.

NRS 97A.160 - Records required in action to collect debt: Establishment of liability and amount; authentication; retention.

NRS 97A.165 - Contents of complaint; limitations.

NRS 97A.170 - Rights of issuer or service provider; action to determine liability for unauthorized negotiable instrument used to make payment.

NRS 97A.180 - Transfer of information if issuer is subsidiary.

NRS 97A.200 - Prohibited acts by issuer: Increase of interest rate based upon late payment to another creditor; universal default clauses; exception.

NRS 97A.210 - Prohibited acts by issuer: Prohibiting merchant from offering certain discounts.