Dmitry Agarkov received a credit card offer with a 45% interest rate buried in the fine print. He scanned the contract, rewrote it to include 0% interest, no fees, and penalty clauses if the bank changed the terms, then mailed it back. The bank signed it without reading. A court upheld his version. He counter-sued for 24 million rubles. The bank settled. He got a special debit card.
