You might want to be careful here as transferring the limit to cash will result in a big loss and that is not the intent of using the limit for your own good, it will be a burden and you are legally abided by this amount to be paid at some point.
Your interest as a customer matters to us, you might want to know that there are a lot of people out there that want to exploit and offer this monetization process, this process wastes your rights because they will cust off a big chunk of that amount then you are abided legally to pay it with its interest.
The limit is there for you to purchase the desired product not for the merchant or anyone else to take advantage of it or even the admin fees.