Dmitry Argarkov of Voronezh, Russia didn’t like the credit card offer that was sent to him by a Russian bank, Tinkoff. So he creatively took the contract, altered the language in his favor, signed it and sent it back to the bank. Some of the terms he amended were no interest rate, no credit limit, no obligation to pay the bank back and no fees. He included a fine in the contract language if they broke his amended terms of 3 million rubles and if they tried to cancel it they would have to pay 6 million rubles. He signed it and sent it in to the bank.
The bank didn’t realize that he had amended the terms and sent him a credit card which he started using immediately. After non payment for charges, they tried to cancel his card when Dmitry took them to court for breach of contract.
Surprisingly, a court ruled in Dmitry’s favor saying that the bank had legally entered into a contract with him and had broken the rules. The decision is now being appealed in a higher court. You can follow Tinkoff bank on twitter at @tcsbank for all new regarding the case (in Russian).