Amend you T&Cs - will they notice?

ca55ie

Just loved this - its usually our fault for not reading the T&Cs. This russian guy fought back :rotfl:
http://www.independent.co.uk/news/world/europe/read-the-small-print-credit-card-user-sets-his-own-limit--then-sues-bank-for-closing-account-8753602.html

chattychappy

I have done this, though not with CCs. I would never conceal the changes, but I have made hand alterations with a pen before signing. In fact if you carefully scanned and made the changes so as to make it look as if you hadn't changed anything, the changes might not stick.

Note that they wouldn't be bound by your changes until either they sign or they start performing the contract (implying acceptance) - eg by issuing a card.

CCs should automatically reject anything that has been modified. The cost of getting a lawyer to check them plus managing further T+C changes would outweigh any profit to be made from a single cardholder.

In one case for me it did save a lot of trouble (I got sued, but they dropped the case when they finally got around to looking at the original documents).

I can see evidential issues where CCs don't keep the original paperwork, but merely a re-constituted copy. A court should accept your claim if you've kept a copy - but clearly there is scope for fraud here where cardholders make the modification to their copy after the event.

InsideInsurance

The problem with ours is that they are presigned by the bank when you get them.

Evidently you cannot simply change the terms of a contract after one party has already signed and generally it would require a second signature from the counter party to confirm acceptance to the amendments where as in the news story (or at least the version I read) the terms are signed by the bank AFTER the alteration had been made thus effectively agreeing to it.

You could try to argue the fact that after receiving the altered contract that they commenced provision of the service and thus that is sufficient proof that they accepted the amendments but I think you would unfortunately be on thin ice.