Mrta,,,, I had the exact experience when the credit officer in-charge tried to force me to take mrta,,,,, they will try many ways to trick us the buyers. We, the buyers, need to update our knowledge to be wiser than unethical credit officers. In my case, being able to tell him off and " you don't need me as your customer" was really satisfying, exercising my rights.

So guys, be careful with them, not all, but few of them are simply scumbags.

My advice,

1) don't let yourself being at their mercy,
2) Dont be too naive, or clueless ( especially first timer).

I speak based on my experience, pleasure to share.