A wily Russian fellow crossed out the fine-print on an unsolicted credit-card application from Tinkoff Credit Systems in 2008 and wrote in his own terms, giving himself unlimited, interest-free credit and exemption from all fees, with a 3MM ruble fee should the bank change the terms and a 1MM ruble fee should they cancel his card. He crossed out the URL giving the terms and conditions and wrote in his own. And a court has ruled that his changes -- which were blindly accepted by the bank -- are binding. He's now suing them for breach of contract, since they refused to pay him the cancellation fee he'd written in -- he's seeking USD727,000.
— Court finds for man who rewrote the credit-card fine-print to give himself unlimited, interest-free credit - Boing Boing
Brilliant!! Now why didn't I think of that?