Consumer Edits Credit Card Company’s Fine Print

In August, a judge in Voronezh, Russia, accepted for trial Dmitry Argarkov’s lawsuit against Tinkoff Credit Systems for violating a credit-card contract. Tinkoff had mailed Argarkov its standard fine-print contract, but Argarkov computer-scanned it, changed pro-Tinkoff provisions into pro-Argarkov terms, and signed and returned it, and Tinkoff accepted it without re-reading. At least at this stage of the lawsuit, the judge appeared to say that Argarkov had bested Tinkoff at its own game of oppressive, fine-print mumbo-jumbo.