Dmitry Argarkov, 42, made his own alterations to a credit card contract
He gave himself 0% interest, unlimited credit and exemption from fines
Mr Argarkov sent the amended contract back to Tinkoff Credit Systems which sent him a credit card without noticing the changes
The company tried to sue Mr Argarkov two years later for late payments
But a court ruled Mr Argarkov only had to pay the balance owed but not the interest or late fees as per the terms in his contract
Mr Argarkov is now suing the bank for breaching the terms of the contract

A customer who altered a credit card contract without the provider noticing is now suing the bank - for breaching his own terms and conditions.

Russian Dmitry Argarkov, 42, wasn't happy with the credit card terms being offered by Tinkoff Credit Systems so he scanned the document into his computer and made a few changes.

His more favourable terms included unlimited credit, zero per cent interest and no bank fees or fines.

He also added a clause that he could fine the bank three million ruples - around £588 - every time the company failed to comply with the rules and a further six million ruples - £117 - if they tried to terminate the contract.

Mr Argarkov, from Voronezh, Russia, then sent the amended contract back to Tinkoff which didn't pick up on the alterations and returned him the signed paperwork along with a credit card.
Getting a better offer: Dmitry Argarkov, 42, decided to rewrite the terms of a credit card contract and is now suing Tinkoff Credit Systems for breaching his terms and conditions

Getting a better offer: Dmitry Argarkov, 42, decided to rewrite the terms of a credit card contract and is now suing Tinkoff Credit Systems for breaching his terms and conditions

After two years of using the account, the Russian company terminated Mr Argarkov's credit card in 2010 because he was late on his minimum payments, Russia Today reported. http://www.dailymail.co.uk/news/article-2387954/Man-offered-credit-...