Under normal circumstances, there is no negotiation when a bank sends you a credit card application. They expect you to just fill it out and send it back unaltered. Since this is the expected way to handle credit card application contracts, I expect the bank could easily argue that there was no meeting of the minds, as they could not have been expected to re-read the entire contract looking for alterations, and in fact it's reasonable to argue that the man who altered the contract did so knowing the bank would never notice.