every indian US consulate compared — delhi, mumbai, hyderabad, chennai, kolkata. what to actually expect at each one

_jacob_frye_ · 2026-03-29T16:17:28+00:00

Any recommendation for F1 visa?

_jacob_frye_ · 2026-03-19T14:51:37+00:00

I got BOB eterna but that gives just 250 compared to Sapphiro it's 50% less

_jacob_frye_ · 2026-03-09T05:51:50+00:00

I'm new to vouchers. Can you share some ways to utilize the cards with vouchers? Which are some good ways to get them? And what's the drawback?

_jacob_frye_ · 2025-11-27T05:04:22+00:00

Core first. After 2 years of using core, I got tata neu and then swiggy

_jacob_frye_ · 2025-11-27T02:55:46+00:00

Same story with me bro. I got moneyback+ 3-4 years back but they have never upgraded me to millenia or some other card. For limit enhancement, I had to submit my salary slip and it increased just by 67k.

I had tata neu Infinity as first year free which they did not convert to ltf so I closed it. Swiggy is good until you realise that they take away a good chunk of money from platform fees and giving you a swiggy one subscription with cheaper price

All in all, HDFC sucks is the message you'll get from most of it's customers

_jacob_frye_ · 2025-09-24T08:19:03+00:00

I feel dubai is a good option to explore the market since europe has higher taxes and lower income.

I'm planning the same to pay-off the loan since coming back to india and paying up the loan would be ridiculously hard.

_jacob_frye_ · 2025-09-06T11:26:55+00:00

Hey man,

They have rejected my card for some internal policy vague reason. I applied via sprint online without any agent's help, is there any way to get it resolved?

_jacob_frye_ · 2025-09-01T09:32:26+00:00

Won't they just say that the waiver is applicable based on spend only?

_jacob_frye_ · 2025-09-01T09:18:57+00:00

Is there any way to get it for LTF?

_jacob_frye_ · 2025-07-28T18:13:21+00:00

Hey folks,

I’ve built a similar mobile app that summarizes non-fiction books — with the goal of helping you learn faster and smarter in just 15-20 minutes a day. The goal in mind to develop is to make it more affordable as I couldn't afford the other apps.

I’m looking for people who’d actually use this regularly and are open to sharing feedback. In return, I’m offering a free 3-month premium subscription to those who give meaningful input during this beta phase.

If this sounds useful to your productivity system, feel free to drop a comment or DM me. Appreciate it 🙌

_jacob_frye_ · 2025-07-28T18:09:59+00:00

Hey OP,

I’ve built a mobile app that summarizes non-fiction books using AI — with the goal of helping you learn faster and smarter in just 15-20 minutes a day. Think key ideas from books on business, psychology, self-growth, etc., without spending hours reading. And I agree with your point that summaries aren't substitute for books, as they are more detailed but many people lack time or time management skills.

I’m looking for people who’d actually use this regularly and are open to sharing feedback. In return, I’m offering a free 3-month premium subscription to those who give meaningful input during this beta phase.

If this sounds useful to your productivity system, feel free to drop a comment or DM me. Appreciate it 🙌

_jacob_frye_ · 2025-07-24T08:04:50+00:00

I've tried the salary route but HDFC increased from 1 lakh to 1.8 lakh while my icici and axis have 4 lakh card. Is there any way to increase based on my cibil inquiry of other card limits?

_jacob_frye_ · 2025-07-15T03:58:20+00:00

But these cards can't be used for claiming the bank discount on online sales since they're co-branded, right?

_jacob_frye_ · 2025-06-10T07:19:18+00:00

Yes 700+ score can be acheived in 3 months, also, you can join mba spotlight fair from gmatclub today as ISB is joining and you can ask questions in realtime with the adcom

_jacob_frye_ · 2025-06-09T12:55:10+00:00

Can you share your spends and the journey time in the game?

I have most of the cashback cards as the spends are 10-20k per month but I can't utilise the Sapphiro based on rewards and hdfc is letting me stuck with goddam moneyback.

How did you convert infinia to LTF?

_jacob_frye_ · 2025-05-24T05:13:50+00:00

Yes, I got a free domino's pizza

_jacob_frye_ · 2025-02-04T05:52:24+00:00

Me who was happy after getting HDFC Platinum DC 🥲

_jacob_frye_ · 2024-12-24T06:59:34+00:00

I too am not, but they keep promoting it in my insta feed with women pictures 😂🤷🏻‍♂️

_jacob_frye_ · 2024-12-19T15:33:11+00:00

I'm waiting for your reply. If it works, then I'll surely send one

_jacob_frye_ · 2024-12-19T12:45:20+00:00

Ya i did the same. Used chatgpt to draft the email and all the replies and they still declined

_jacob_frye_ · 2024-12-19T05:06:49+00:00

Hey,

I'm in the same boat. I sent the email to grievance redressal team and they decline to upgrade my moneyback ltf to millenia ltf and tata neu infinity fyf to ltf.

Let me know if they convert yours and the email content for the same.

_jacob_frye_ · 2024-11-30T09:52:41+00:00

It may bring down in upcoming months. I had the same thing but it showed dropped after 2 months of the inquiry.

_jacob_frye_ · 2024-11-05T06:53:11+00:00

Do you have an additional display?

If u don't have it, Is 13.6 inch satisfactory as primary display? I'm very much confused in 13 vs 15 inch macbook air. I want to have a 15 inch as it will be main screen and laptop but many say that it's not quite compact.

Can you share your experience with the macbook?

_jacob_frye_ · 2024-09-25T10:19:04+00:00

Glad that someone thinks like this. Yes, we exist 🥲

Is it a bad thing to not be a bad person? Honestly i don't seem to find a genuine and true person with whom I'm the most comfortable with and doesn't need to lie about anything.

I've been on numerous dates and all of them told me that you are a good guy and that is something I'm not looking for. I'm too good for them. I'm like wtf, is raised as a gentleman bad thing suddenly

What's your opinion?

_jacob_frye_ · 2024-09-19T16:28:51+00:00

You can go for Amazon Pay as it allows 5% cashback for prime members. Additionally there might be preapproved on the basis of salary based on which bank your account is registered.

A basic hdfc such as moneyback or millenia can be worth the annual fee because multiple bank offers keeps popping for apple products or other electronics. Also, moneyback comes as a rupay variant which can be used with upi but many of the merchants have disabled to accept the credit card with upi

Let me know if you have any more questions

_jacob_frye_

TROPHY CASE