its your headcannon ,the reason was hi stress, and this whole theory goess off solely based on the fact that he had organic web from the start,it just an CRAAAAZZYYYY coincidence
And btw the surcharges for the NO COST EMI transactions ALONE will make your 1k EXTRA DISCOUNT WORTHLESS
600rs bank charge
And the seller takes its own service fee
Plus if you miss a SINGLE payment on date
CREDIT SCORE GOESS BRR DOWN
But what does the avg guy know about CC