#1
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.

Score one for the little (Russian) guy.

Dmitry Argarkov put a few revisions in his credit card application:

Zero percent 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.