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