credit limit can be reduced at branch by filling in a form

i believe CIMB will accept if you write in. they just want prove anyway. ocbc can limit cap the usage of your credit limit instead of reducing the credit limit permanently. when i held their titanium card, i asked them to reduce the credit limit but ocbc wanted me to write in but at the same time, they can reduce the maximum spending limit of my card, when they issued me a WMC, the credit limit was reduced to the capped limit i wanted

not necessarily all rooms can get the 7% discount

i think both will get the 5% rebate but if i were you, i would use VOX Card since their restriction is lesser

the other way round