In 2008, Russian man Dmitry Agarkov received a credit card offer from Tinkoff Credit Systems. He didn't like the terms, so he scanned the contract, rewrote it to include 0% interest, no fees, no credit limit, and penalties of up to 6 million rubles if the bank violated the terms, then signed and returned it. The bank approved the modified contract without reading it. When the bank later sued him for unpaid fees, a judge ruled the altered contract was valid and Agarkov only owed the principal. The two parties eventually settled out of court.
