Man who created own credit card sues bank for not sticking to terms - Brilliant!

This case was settled out of court.

MOSCOW, August 14 (RIA Novosti) – A Russian man who tricked a bank into signing a deal with him on his own terms has reached an out-of-court settlement with the credit institution, whose owner previously threatened to have him jailed for fraud, the bank said Wednesday.
“Conflict is unconstructive, so we decided to end it in a gentlemanly fashion, mutually dropping complaints,” Tinkoff Credit Systems president Oliver Hughes said in a statement on the bank’s website.
The bank cited the other party, Voronezh resident Dmitry Agarkov, as saying his trick was “a joke that went too far.”

The bank also offered Agarkov a debit card with bonuses instead of the credit card, since the client 'not always treats credit cards well'. So this story seems to have a good ending in this particular case.
Back to the 'void contract' argument. I don't understand it. Is this really the most controversial point? What if Mr. Agarkov included a 0.0001% interest and a $0.01 fee for overdue payments in his modified terms? Will it make any difference?

Absolutely no joke.

Absolutely no trick.

Absolutely leganary.

We closed the public side of our accounts years ago, kept the private side of the account open. Banks are amazing if you know how they really work.