And that, perhaps, was the greatest reward of all.
He clicked Apply Now .
One evening, sitting on his repaired sofa, he called his father. “Abbu, remember what you said about credit cards being the devil’s ledger?”
But the story doesn’t end there.
That night, he paid his mother’s hospital advance. The machine beeped. Approved. He exhaled for the first time in weeks.
By the end of the year, Faraz had paid off all medical bills. His credit score, visible in the app, had climbed from “Fair” to “Very Good.” He received an upgrade offer: with a higher limit, travel insurance, and a free supplementary card for his mother.
