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Russian rewrote credit card application, got approved

Updated: Jan 25

Dmitry Argarkov rewrote a credit card application sent to him by Tinkoff Credit Systems. The bank signed off on it without reading the fine print.


Dmitry Argarkov put a few revisions in his credit card application: 0% interest No fees No credit limit Then he sent it to Tinkoff Credit Systems. They approved it and sent Argarkov a card.

But they hadn't read the fine print. The 42-year-old man from Voronezh, near the Ukraine border, put in some other nuggets: The bank would pay him $182,231 if it closed Argarkov's account. If the bank did not honor his rules, Argarkov would fine it $91,115.


He could afford to buy an island somewhere in Malaysia, and the bank would have to pay for it by law, said Argarkov's attorney, Dmitry Mikhalevich, according to the Russian news site Kommersant.


A judge sided with Argarkov this week and said the amended contract was legally valid because the financial institution had approved it.

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