Some argue that, in a competitive market, consumers have the opportunity to buy for the supplier, which offers them the most advantageous terms, and that they are therefore able to avoid injustices. In the case of credit cards (and other oligopolies), however, the consumer who is able to buy can only continue to have access to contracts with similar terms and without the possibility of negotiation. Also, as mentioned, many people do not read or understand the terms, so it could very little encourage a company to offer favorable terms because they would only win a small amount of business. Even if this is the case, some argue that only a small percentage of buyers must actively read standard form contracts so that companies can offer better terms if this group is able to influence more people by altering the company`s reputation. In July 2013, Russian Dmitry Agarkov won a lawsuit against tinkoff Bank after changing the standard form contract he had received in the mail. Since the bank did not take note of the changes, it accepted the application and gave it an account on the basis of the amended contract. The judge ruled that the bank was legally bound by the contract it had signed. Agarkov is suing the bank for breach of the terms he had added to the contract that it had unknowingly accepted when the contract was signed. Agarkov`s lawyer, Dmitry Mihalevich, said: “You signed the documents without looking. They said what their borrowers usually say to the court, “We have not read it.” [13] [14] A commercial contract is a legally binding agreement between two or more persons or entities. In order for a contract to be treated as a contract, it must be presented on the basis of a “take or leave” on a standard form and not give a party the ability to negotiate because of its uneven negotiating position. The specific examination of warranty contracts can be carried out in different ways: a standard form contract (sometimes called a liability contract, De Leonine contract, takeover or bankruptcy contract or a boilerplate contract) is a contract between two parties, under which contractual terms are set by one of the parties and the other party has little or no ability to negotiate more favourable terms. take or leave the position.

Specific or tailored contracts are often considered to be not recommended as they may not take all circumstances into account appropriately or fairly and are not supported by a criminal record. However, their continued use reflects the inflexibility of certain parts of the industry in collecting form of standard contracts. A small business protection law against abusive contractual clauses in model contracts applies to contracts entered into or renewed on November 12, 2016 or after November 12, 2016, as a standard contract is not known as a standard contract.