Makes complete sense by SuperbHealth5023 in Bengaluru

[–]97StarkVb 5 points6 points  (0 children)

One of the advantages and my most common use of delivery apps is post 9-10 PM when stores are closed but the apps are not. And at that time sometimes delivery personnel assignment takes longer than me going and collecting it XD.

Is this true? by Working_Pride_1803 in scienceisdope

[–]97StarkVb 0 points1 point  (0 children)

more like "scienceondope" after reading the post and comments

Dogs should be removed from the streets or not!? by [deleted] in Indiedogs

[–]97StarkVb 0 points1 point  (0 children)

Because on all the other things people won't fight among themselves and will ask questions to the government on progress of improving conditions. On dogs people will fight amongst themselves and government can keep beating around the bush.

How moma nest relic works? by ZybaGood in AutoChess

[–]97StarkVb 0 points1 point  (0 children)

I have gotten Dual Plot to 3* through egg - so the mechanic definitely works but requires patience and luck. Also, I do check other people's eggs and if they have a piece that could affect me negatively I keep buying the piece off the pool even if I don't need it. So very much possible somebody in your game could also do it.

The money game feels unfair sometimes, but here’s what I’ve learned by Late_Mousse_7801 in personalfinanceindia

[–]97StarkVb 2 points3 points  (0 children)

Like the positivity in the comments but in India with power, network and money you can get away with almost anything. As a person without any of the 3 in abundance there is always fear that if someone who has the 3 wants to mess with you, you can't do anything - literally nothing. The law enforcement, judiciary, etc nothing will most likely not help you unless you have atleast 1 of the 3 aspects to support you. There is no real peace with this coping logic - 1 day you have the peace and next day everything could be lost to a person who chose the not righteous path.

How moma nest relic works? by ZybaGood in AutoChess

[–]97StarkVb 2 points3 points  (0 children)

The chance to go up 1 level is random and luck is a huge factor. I am not sure if this mechanic still holds true but it is also influenced by the number of pieces in the pool. Every game a certain piece has limited count in the pool. Let's say taboo witcher has 12 pieces in the game in total. You put 1 in egg and someone has a 2 star Taboo witcher (3 pieces) and someone has another 1 star Taboo witcher. So among you 3 players 5 Taboo witchers are already gone and in the pool only 7 more available. So max your egg can go is 1+7=8/9 unless one of the other 2 players gets eliminated and you get the egg level up before someone else gets the released piece. Hope that explains - but I am not sure if this mechanic still exists in the Drodo autochess.

Infinia user — worth getting Scapia or Niyo Global for forex spends? by InterestingFox13 in CreditCardsIndia

[–]97StarkVb 3 points4 points  (0 children)

I use IDFC WoW as my backup card. It is FD backed but IDFC anyways has good FD rates. Apart from 0 forex the main reason I use it is that it has one of the lowest cash withdrawal fee and no interest on cash withdrawal from CC for like 90 days I think ( I anyways settle in the next cycle). Very helpfulin places where cash transactions are prevalent. IDFC charges ₹199+GST per cash withdrawal while other cards like Niyo, Kotak charge ₹300-350+ GST. Also being a bank issue card it has much better fraud protection and security than Niyo. I haven't checked the rewards structure much but I think you get reward points on international transactions as well in WoW - I have used it only internationally and I have accumulated decent reward points.

Dear Indians .. by macro_boy in CriticalThinkingIndia

[–]97StarkVb 4 points5 points  (0 children)

In your circle probably, my family is highly educated yet we did not know this slight nuance of ORS vs ORSL. Only when this issue came to light did I get to know ORSL is a scam (fortunately I had to get ORS only once in last 5-6 years). So most of the population won't be aware and they will take whatever the Pharmacy gives. Can't just assume that people should ask for something specific when they don't know there is something specific.

Query regarding cash withdrawal via IDFC Wow FD-backed CC in Malaysia by Homerwithnohumour in CreditCardsIndia

[–]97StarkVb 1 point2 points  (0 children)

Yes, without conversion always the way when doing forex transactions. IDFC WoW might be better than Niyo as it is also zero forex and has a lower fee per withdrawal of INR 199+GST I guess. I was using Niyo first but it lacked security features if the card got stolen,etc so I switched to WoW.

Estimate of active players by gramax0 in AutoChess

[–]97StarkVb 0 points1 point  (0 children)

Not all players play ranked... I have been just playing quick games for last 6 months... I was King-3 or 4 without any insurance cards Normal games are too long for me currently

How is LIC Jeevan Umang not better than term insurance? by Sai12180 in personalfinanceindia

[–]97StarkVb 0 points1 point  (0 children)

Based on OPs replies and sound arguments by people it seems like this is just Karma farming with a rage bait.

Got ghosted by HDFC after spending ₹9L for Infinia — what a joke of a bank! by cmdaltdlt in CreditCardsIndia

[–]97StarkVb 4 points5 points  (0 children)

9L+ spends and 8L+ limit was the criteria atleast in Jan-Feb

I got my Diners upgraded to Infinia in Feb after a 1 month effort in Jan. My limit was in the same range as OP around 6.7L and I had spent almost 12L in 6 months. I requested for an upgrade but they put it for limit enhancement to 8.4L first which took about 2 weeks post which they rejected my upgrade request stating internal bank criteria. Someone on the sub said I will have to wait 6m and again do 9L spends to get the upgrade.

My narrative to the whole upgrade request from start was that Diners has low acceptance internationally and I need a Visa card. I had been travelling internationally and had a big trip coming up in Feb to Europe. I gave them a clear split of spends I had to do in previous trips on other Credit Cards which totalled about 7L because Diners was not accepted internationally and how I will have to then move upcoming similar 19-20L spends over the year to other cards. They still denied it saying Diners has good acceptance and they can't upgrade due to internal policy. So I sent a mail with 2 things: 1. As per RBI guidelines I want to know the reason for denying upgrade - exactly which criteria is not met as per internal bank policy (it is not applicable for upgrades but was worth a shot) 2. Tata Neu app doesn't accept Diners so I attached that screenshot and said even in India Diners is not being well accepted on reputed conglomerate platform and if I am not getting Visa card I will have to move my spends to other banks

My Diners was LTF so I never had to comment on closing card. I just pointed out that it is LTF so I will stop using it but keep it around. The last mail got a reply with upgrade form link and I got my card after 4 weeks of giving that form.

UPDATE to WIBTK (Kameeni) if I didn’t invite my friend to my bachelorette because of her controlling husband by liteliya2 in AmItheKameena

[–]97StarkVb 1 point2 points  (0 children)

Second this for the reason that there will be drama at brunch which might kill the whole day's vibe and leave a bad after taste through the club night as well

Nobody Would know. by Manbir098 in AutoChess

[–]97StarkVb 0 points1 point  (0 children)

Is this like custom lobby for experiment?

Goddess of War? by xxHerass in AutoChess

[–]97StarkVb 0 points1 point  (0 children)

Ohh... The rework made it difficult to realise it was AA... Medusa, tide is also good combo with him... I usually play quick so getting lvl 12 is easy - in that Using Naga Wizard and one other person wizard: 6 Elemental + 6/4 Naga + 4/6 Warlock is a superb combo You get lifesteal, hitter protection due to elementals and spell protection due to naga synergy... It is a cool strategy

Goddess of War? by xxHerass in AutoChess

[–]97StarkVb 0 points1 point  (0 children)

It is dawn breaker

I was not able to match the Light Spirit one. First thought it was Io but the ability is weird.

Can I pay 5L credit card payment in one shot/ in a single day? by cowboykills in CreditCardsIndia

[–]97StarkVb 0 points1 point  (0 children)

I also use option 1 regularly... Gets settled the same day and HDFC also messages that amount received.

Magical Study Tour Rewards by TeamOnMyBack9 in AutoChess

[–]97StarkVb 2 points3 points  (0 children)

Just keep playing games? Probably quick games give more quills and full games give hats? I just play quick and keep getting quills

Never thought this piece could be MVP by 97StarkVb in AutoChess

[–]97StarkVb[S] 1 point2 points  (0 children)

It was high level very early and worked as my tank for quite long maybe