In 2008, Dmitry Agarkov received an unsolicited letter from Tinkoff Credit Systems (TCS) offering the 42-year-old Russian man a credit card with what he found to be unattractive rates.
While most people would have just thrown away the letter, Agarkov decided to do something different. He scanned the contract in the letter into his computer and altered it in his favor, including, for example, a 0% interest rate, no fees, and no credit limit. Moreover, every time the bank didn’t stick to these rules, they’d be fined 3 million rubles — $91,000 — which of course would go to Agarkov. If they broke the contract, they’d have to pay Agarkov 6 million rubles ($182,000).
via Yahoo News
Image: Tinkoff Credit Systems
