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You can't use a credit card to purchase from the Market. It must be directly from the Steam Wallet only.
So, there goes that theory.
The OP was pretty close to how "bots" actually scrape the data to find when new buy orders are placed on a specific item and immediately a script removes the item and relists it at a higher price.
Just took a wrong turn at Albuquerque.
No one wants to sell for less. The bots always go up in price.
And lowering the price too much flags them way faster by Valve.
That is, until now with the knives being dumped out of sheer panic.
They do it with Rust items as well, yes.