I think the sellers are doing that because there is a mechanism to get those payments eventually. Sellers in my country value instant cash transactions. Credit is an anomaly and is given based on deep rooted trust or guarantee. BYes, that's how it is, but unfortunately there are many credit business transactions here, ranging from clothes, furniture, motorbikes, cars, even houses. Even some vehicle dealers will make it difficult for buyers who want to buy it in cash, because they want credit in order to get high profits.