In my experience, any alteration to the T&Cs of a contract must be communicated separately in writing to the other party. Simply crossing out or adding your own T&Cs on a standard agreement and sending it back will probably not fly in a U.S. court of law. Interesting to see how it plays abroad. Still, it’s a nice “David vs Goliath” story.
It would be funny if the judge told the credit card
company that “they should have read the contract”.
On the other hand if the contract he sent back had their
identification or corporate logo or was an altered duplicate
of the original presentation, wouldn’t that be forgery?