One of my mastercards came from Metrobank. The offer was made through a phone call. At first I am hesitant to give my personal information but they referred to one of my bank accounts which happened to be their sister company. They asked me to fax a statement of account of any of my credit card, especially the one with higher credit limit, as a reference.
If there's one reason that got me interested to apply for a card with them was their "Cash2Go" promo. Being a businessman, I understand the uncertainty of running a business in terms of operation and financial requirements. Bank loans are one of a hell to go through with so many documents needed and approval is very unpredictable. With this card, the convenience of converting my available or unused credit limit into cash is kind of fast. All I need to do is go to one of their branches and apply for the "Cash2Go" promo. Aside from an application form that I need to fill in, a call will only be made to verify my available limit. Upon verification the cash will hand over to me instantly, no more questions ask. This process will only takes an hour or less than 2 hours depending on banks customers being assisted by the staff.
Not only that I like the speed and sure approval of my application but also the terms are very flexible. The interest rate is very reasonable and broad payment terms. If I missed a monthly amortization it will form part of my credit card balance which will now be then treated as a purchase. So I guess that will depend on me to pay my amortization on time.
This card also features most of the benefits I have with my other cards but their "Cash2Go" promo is really fantastic.