Thursday, August 15, 2013

Man Writes Own Credit Card Terms, Sues Bank (Video)

Man Writes Own Credit Card Terms, Sues Bank (Video)
August 15, 2013

Oh the irony here is absolutely hysterical lol ~BK

By Susan Duclos

Russian Dmitry Argarkov received a credit card offer and not agreeing with the terms of the offer, scanned the document, altered the terms, mailed it back to Tinkoff Credit Systems, who obviously didn’t read the terms, before signing it and sending Mr. Argarkov his new credit card.

The changes made included a 0% interest rate, no fees and no credit limit and every time the bank failed to comply with the rules, he would fine them 3m rubles (£58,716). If Tinkoff tried to cancel the contract, it would have to pay him 6m rubles, they lost.

When Tinkoff attempted to close the account due to overdue payments and sued Mr Argakov for 45,000 rubles for fees and charges which were in their original terms, but not the altered terms.

They lost because they did not read the altered terms before signing the contract and sending Argarkov the credit card.

Furthermore, Argarkov is now suing Tinkoff for 24m rubles for not honoring the contract and breaking the agreement.


  1. This is amazing, Liz! It's perfectly accurate as well as being really well written. The one thing I would say is that including the owl names would be good. I'll list them here from top to bottom and left to right for those who are interested: 'Liddle flame' #57, 'Starstruck' #81, 'Potty Patrick' #52, 'No nonsense' #28, 'Flat Freddie' #82. Also, I'm at Abbotsford Convent Makers' Market on the 3rd Sunday every month. Other market dates are kept up to date on my website.
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  2. Credit card repair process (877)853-5483November 7, 2013 at 3:28 PM

    Looks like it seems not possible because of security features that credit card holds, likewise, what he did was wrong. Anyway, thanks for such entertaining video and your also your blog which I bookmarked already.


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