Not really sure if this should be here or in OMNI (given how I expect the conversation will go), but though it might provide some amusement:

Guy in Russia gets credit card offer. Scans it and re-writes it, signs it and sends it back. Bank signs off on it & sends him his new card. Bank doesn't read the new fine print. Bank gets upset....

http://uk.finance.yahoo.com/news/man...164106734.html

I'm not sure if it counts as fraud or not. Depending on exactly what he sent back, in some countries it wouldn't be.