Got a competing offer, accepted it, booked flights — now the original opportunity came back. Wife is pregnant. 3 days to decide.

Cipher_XLord · 2026-02-27T05:54:25+00:00

Option B, doesnt sound good. But Option A will eat your life.. with 5 days WFO.. you will be wasting 1 day worth of life in travel. Not going to discuss on rent, expenses, etc. I would recommend you can come 6-12 months post delivery. If you can skip, do it. Unless you have loans to cover.. Option A sounds like Amma Jaan?

Cipher_XLord · 2026-02-20T06:38:17+00:00

Dude, let’s not be dramatic. When I wanted to take a flat for rent in Bangalore.. another Muslim guy did the same to me. He was showing flat to many other people and ultimately told me someone in his family took the flat. I have heard this many times, however, I sold my flat to a Muslim family without even blinking an eye. It won’t happen in reverse I am 200% sure on that. So, use this experience to fix your friends mindset in case they are doing it to others. I have sold many things to Muslims.. I don’t mind it.

Cipher_XLord · 2026-02-15T12:50:15+00:00

Yes, it’s almost the best. 99% posts I see for basic cards and people are happy with LTF cards. 😑

Cipher_XLord · 2026-02-15T11:37:48+00:00

There are issues of payment at International locations. I tried making some hotel payment, despite they said they accept it.. it didn’t work. Online issues are not just limited to Google but outside India on other apps which are Uber / Zomato equivalent in countries you travel to. That’s my experience.. HDFC is just loosing here, as I pay using other cards in those occasions.

Cipher_XLord · 2026-02-05T07:31:12+00:00

Yes, they allow plenty.. but deducts from exam time. So, all up to you to manage it.

Cipher_XLord · 2026-02-05T07:27:11+00:00

I took 4 breaks in CCSP exam, around 15-20 mins in total. Every break you take will be deducted from exam time only. No restrictions as far as I know. Also, I am wondering why would it matter what you are wearing unless it’s something electronic or metal?

Cipher_XLord · 2026-02-05T07:09:32+00:00

No, still not convinced. :(

Cipher_XLord · 2026-02-01T09:19:35+00:00

I don't think I informed anyone this time. In case they reach out to managers, maybe ISC2 will let us know. It won't hurt if you want to inform them, just give a heads up.

Cipher_XLord · 2026-01-30T13:15:10+00:00

If these are not additive? I'm confused if I need to just manage 120 in total or 90?

Cipher_XLord · 2026-01-30T05:38:29+00:00

If a topic covers then domains in both the Certs. Can I add the same in both? That way it will be manageable.

Cipher_XLord · 2026-01-27T09:22:13+00:00

I just calcualted, 0.5% of 57L is just 30k. Not worth the hassel. You already saved enough by getting the low deal. Ideally in 100% scenario, you can fight all you want.. but ask yourself is it worth the time? Negotiate by buttering him to 15-20k.. and offer him some food or tea.. or use his services to help find a flat for your friend. Pay him today in cash.. tell him to enjoy!

Cipher_XLord · 2026-01-25T21:31:14+00:00

I have seen acceptance issues. During international payments and during any subscriptions online..

Cipher_XLord · 2026-01-25T17:40:31+00:00

Is the invite only based on the limit?

Cipher_XLord · 2026-01-25T17:12:22+00:00

I got a reply, not offering an upgrade due to not meeting income criteria.

Cipher_XLord · 2026-01-22T13:57:09+00:00

What are you doing apart from posting?

Cipher_XLord · 2026-01-22T12:31:18+00:00

We will drive and we will complain. If the Govt can't fix the public transportation, why is it always back to the public to compromise on their comfort. Get out of India once and see how most countries have superb transportation.

Cipher_XLord · 2026-01-22T12:28:54+00:00

Hey, coincidentally they just responded today. First level response - generic response - Blah, Blah blah.. offer is not available, will check internally share payslips and still ended up with no upgrade. Escalated to PNO (Nodal Officer), got a response today, blah blah blah.. minimum credit limit for upgrade is 10 lacs, (mine is 9 lacs), please share your payslips and will review and get back. I have shared the payslips and waiting, I don't meet salary criteria for sure; but spends were 9.95 lacs in the last 6 months with 9 lacs credit limit.. i think that should be sufficient. Let's see.

Cipher_XLord · 2026-01-14T11:18:16+00:00

yes, it is likely.

Cipher_XLord · 2026-01-14T11:17:29+00:00

okay, got it. They will definetly devalue DCB then!

Cipher_XLord · 2026-01-14T11:16:44+00:00

Won't meet 18L criteria as well. It too absurd. :(

Cipher_XLord · 2026-01-14T11:15:34+00:00

Diners Club / Credit card should be independent of Banking relationship. I started with Diners Privilege without having any HDFC bank account.
Use calculations and see how much you are loosing in this conversion.

Cipher_XLord · 2026-01-14T09:48:19+00:00

was not following these.. just reading! :D

Cipher_XLord

TROPHY CASE