Why Didn’t I Think of That?

Ever wonder what to do with those unsolicited credit card applications? Well, Dmitry Argarkov, a 42-year old Russian knows. Rather than toss the application into the trash, Dmitry scanned the contract into his computer, modified the wording, and mailed it back to the credit card company. His modifications include no credit limit, no interest, and a $200,000 penalty to the credit card company if they tried to cancel the contract. Guess what? The credit card company signed the contract and returned it. Fast forward a few months… Dmitry ran up the credit card and then per the terms of the contract refused to pay. A Russian judge sided with Dmitry. Dmitry has now filed a suit against the company for trying to collect. Huh! Why didn’t I think of that?