Mr Argakov was only ordered to pay an outstanding balance of 19,000 rubles (£371). They said what usually their borrowers say in court: 'We have not read it',” said Mr Mikhalevich.

But now Mr Argakov has taken matters one step further.

Therefore, you want to transfer your balance to the new card.

Your credit card company may be willing to lower your interest rate. Cards with annual fees often have lower interest rates, but do some sums to make sure they're worth it.

"The Bank confirmed its agreement to the client's terms and sent him a credit card and a copy of the approved application form," his lawyer Dmitry Mikhalevich told Kommersant. He could afford to buy an island somewhere in Malaysia, and the bank would have to pay for it by law." Earlier this week a Russian judge ruled in Mr Argakov's favour.

Tinkoff had signed the contract and was legally bound to it.

The mid 70s saw most states recognize marital rape and in 1993 it became criminalized in all 50 states. It wasn’t until the 2012 London Olympics that women could compete in boxing in the Olympics. Before the No Fault Divorce law in 1969, spouses had to show the faults of the other party, such as adultery, and could easily be overturned by recrimination.

Mr Argarkov's version of the contract contained a 0pc interest rate, no fees and no credit limit.To make sure you never miss a payment, set up a direct debit to make at least the minimum payment each month.Call your credit card company and tell them you want to cancel your card as a competitor has offered you a lower interest rate.Store cards tend to have the highest interest rates.If you don't pay off the full amount owing each month, you need to know exactly what interest rate you're paying.Oleg Tinkov, founder of the bank, tweeted: "Our lawyers think he is going to get not 24m, but really 4 years in prison for fraud.