cool card. currently in dilemma between this card and citi's cashback plat
i tried talking to a HL agent but he didn't make sense. spoken to him a few times and he keeps changing his answer so don't really trust him.

anyway, since i think you guys are more pro, i ask you la

1. can i add/change categories in between the quarter? you said above that can only change per quarter, but sales agent said can do anytime
2. if i can add/change between quarter, will i have to pay RM5 full or pro-rated? sales agent said got pro-rate
3. if i add a category in between the quarter will i also earn cashback at a pro-rated rate?

4. how are the categories charged? is it according to how many categories are active at the quarterly billing date or am i billed immediately?
5. if i am only billed at quarterly date: if at start of the quarter i add 9 categories; then right before billing date i remove 9 categories, will i only get billed for 3 (min) categories?

sorry for so many questions
thank you

Actually, my plan is this:
1. at start of month: add 9 categories
2. spend as per normal
3. right before quarterly bill date, remove 9 categories

I'm just thinking whether the system is smart enough to bill me for the 9 categories that i enjoyed since i've now deleted them.