They will be more happy if you cancel the card.

If you apply your card from booths, this is normal.
Consider lucky as they never help you to apply a rm1M loan.
I know the booth agents always has nice looking girls to trap men while handsome guys trapping girls, but sum of all scams start from your IC sometimes.

Is true in some sense, but to make the cash back effective and you can get full rm100 all the time, the cash back are calculated based on transaction posting date.
And for each transaction to be posted, it will be T+1,2,3,4 and sometimes can take up to 9 days. Merchant are not fooling around with this as they are doing daily closing, more on the terminal and HLB fooling around with this. So last transactions shall be done 5-7 days before.
CS never wrong, just that you need to understand how they play their game, as they are paid to mislead you.

Nope, total spending is rm985, with all 3 categories must end with rm5, mine are something like petrol rm345, mobile rm225, groceries rm415.
Well, if last transaction is on 20th, I would say it is a bit extreme unless you have other cash back cards as spare.
Considering the terminal company can double charge(already 3 times for my MBB cards within 6 months but they refund after 1 week), so in actual they can also manipulate the posting date.
Some may say I simply come out with "must complete all transactions by so and so date", but this is my experience on the 1st year when using HLB card. That time I always complete my transactions toward end of month but with this move, I can't get full rm100 and sure get lesser. Later found out that if cash back reached rm100, the next transaction sure will be posted earlier, but if cash back not reached rm100, then it will be later Best was 9 days until I went to that petrol station and ask him on that, he even showed me the proof that he got the money on 2nd day after he did the settlement.
Guess HLB getting complaints on this issue and they improve the posting system, still it takes 3 days and very rare 4 days.

Yes, 1st year confirmed everyone sure can get.
But from 2nd year onward as of 2015, nope.

You get the card will be charged directly, then waived.
The AF is you pay first then only can use.
This will be my 4th year using this card.

This is so misleading, telcos including TM but why it gives your hair as cash back when we are paying TM's bills?
Even in HLB's T&C also stated clearly as mobile only

Only mobile are entitled for cash back.

They are swapping around the terminals, so nobody will tell.
When I shop in Aeon, I only use AMEX, not other groceries cash back cards.

If paying to Telco now I can get real money cash back, then I stand corrected, else you are still wrong, 2 can't twist the fact.
Also, cash back entitlement are determined by HLB, not by merchants.
BTW, maybe in next month HLB will revise the cash back benefits, same like what you says : maybe in next few weeks when XXXX announces XXXX.
Some jokers mentioned that HLB will be revising cash back 2 months back, but surprisingly I'm still getting rm100 until now

Nope, always read carefully on HLB's T&C, is the first page of the thread tells the actual story? Nope, about 90% are right, 10% of the content are wrong, since it is copy and paste.

Yup, you are pretty right, like I'm buying groceries in Aeon S2 using Public bank's VS I'm getting cash back while using this card I'm getting a hair from HLB, same terminal as I did a marking on that terminal.
And coincidentally, under HLB's T&C, Aeon S2 are not included in the list, so yup, you are right on this, merchant determine MCC(when sun rises from west)

HLB's CS agent are quite good on bringing you round the garden. From you not sure become don't know
Paying on POS office I doubt you can get(and they accept cash only, at least for Seremban)
Already asked, but he refuse to. So that 10% own self dig out with try and error

Cash back are given base on rounding up figures. Spend rm10 you get rm1 cash back, spend rm5 you get rm1 also.

Do come to S2 Aeon to test it out. Aeon supermarket are not all entitled for groceries cash back. Do dig back 2013-2014 threads.

Yes you are right, any card also entitled for cash back but not this card. That's why they never state Aeon sure can get cash back. They only "release" certain Aeon supermarkets after some complaints.

After reading it, my jaw dropped
The example 1 is plainly bias and misleading.
This card must get rm100 every month of cash back only worth to apply. Or at least getting rm80, else other 5% cash back card are way better. Maybank's Ikhwan for example.
As for example 2, it can't apply to other places, even now 99Speedmart does not allow paying utiltiies with credit cards. Still I was able to pay in advance rm2000 for 6 bills I'm holding, just 1 day before they put a full stop on this.

It refers to Sam's. Do other states have Sam's? No right. So it can't consider as good example.

Looks like almost all important categories are no more entitled for cash back
Time to apply for MBB's VS

That if they are really using terminal that registered under Departmental. Remember, they are swapping around the terminals every now and then.

For people that having more than 1 cash back cards like PBB's VS, paying using uobpayonline are getting cash back as online transaction.
Will uobpayonline selectively choose MCC? I doubt so.
Also considering shopping in S2 Aeon supermarket does not entitled for groceries cash back(even with other cash back card are getting cash back under groceries) for the same terminal, I smell some salt

Petro and groceries shall be removed, why need to keep under sure cash back give out? Remember, is we that boasting openly that choosing groceries can do wonders comparing to other categories.
That's why I don't simply boast that 99speedmart can use credit payment for all E-pays.

You shall know that banks only charges 0.5-2%(while AMEX 4.5%) to merchants. For petro station operators, they once fight for 0% fees from banks.
So for every rm1 spent(upto rm985), banks are losing money. It won't stay long for high cash back, is matter of time they take back or revise it.
Will you do lose money business? For short term maybe, but for long term, I'm sure you won't.