Don't know about Russian law, but that's certainly not true everywhere In the UK for instance, if you're changing credit card terms, you'd be expected to send

Don't know about Russian law, but that's certainly not true everywhere In the UK for instance, if you're changing credit card terms, you'd be expected to send a notice of variation looking something like this (https://www.hsbc.co.uk/content_static/en/pdfs/en/nov_general_terms_wf.pdf?WT.ac=HBEU_links_SEM_AGTC_NOV_0710 https://www.hsbc.co.uk/content_static/en/pdfs/en/nov_general...)