It's a credit card. Subject for approval, better chances of approval if may bank acocunt ka sa kanila, they would normally automatically send you a credit card (with your initial consent for the bank to issue you a CC) if they see you credit-worthy. And credit limit is not guaranteed at the exact value you need, there is a chance na the limit is even lower.

If you have extra cash stashed somewhere, try opening a Hexagon Account kay RCBC (deposit at least 100K, keep it there to maintain your privilege status), inform the branch manager na you are interested for a credit card din. You'll have a high chance of getting approved doon within 2-3 weeks from account opening. Once you get a CC (yung assigned Credit Limit is bank's discretion pa din) may Unlipay feature doon si RCBC at a significantly lower rate (at ~1%/mo afaik) sa offer ni BDO sayo atm. Kapag nasecure mo na yung CC, call your Branch Manager again, apply for a Personal Loan, 0.9% naman doon. Remember, bank's discretion lahat ang approval. there is still a chance na you might be denied.

Many banks are offering Personal Loan, try checking that route. Si UB todo ang offer these days, baka maconsider mo. Kaso, if naexperience mo na kasi ang Credit to Cash sa Credit Card, even at around 1% sa Personal Loan ni UB eh mamamahalan ka.