One good thing about having good credit standings among my credit card accounts is that I receive various great offers from different providers. After Holy Week of last year, I received a call from an accredited Metrobank telemarketer offering a pre-approved VISA card. The only thing I usually ask for such offer is that if the credit limit would be convertible to cash aside from regular purchases or charges. If yes I usually go with the application since the first year is usually FREE membership. I’m not surprise anymore if they are already aware of my personal information since I know this inter-bank inquiry stuff or maybe inter-telemarketer inquiry, lol. After delivering the card, I immediately availed their Cash2Go promo as discussed with me by the telemarketer. It goes something like you can convert or avail cash from the available limit of your credit card account at a rate of 1.5% per month payable in 6, 12, 18 and 24 months period. In case of non-payment of monthly amortization the amount will be added in your outstanding balance and will be considered as a regular purchase already subject to an interest rate of 3.5% per month. The best deals are: you can pre-terminate said personal/cash loan, no PDCs and avail a loan of up to 100% of your available credit limit. But what I like most is that you can have your loan in just 1-2 hours of waiting in the bank. By the way, they gave me a hefty 6 digits credit limit in reference with my other credit card limits and yes I availed the 100% limit of mine. I used it on my business in partnership with my parents, a grocery store.