u/aehsan4004

I currently have just 1 credit card ICICI Bank & it offers no reward at all.

I am keen on cashback, discounts & travel.

My last ITR is 12 lakh indian rupees. I am self employed in my own private limited company. Current card limit is 60k but bank is sending sms to increase it to 1.2 lakhs.

I am great in financial management. I actually avoid loans. But now I believe my discipline should be rewarded via credit card rewards.

I am seeking a credit card strategy/mentorship.

Immediate expenses are paying health insurance premiums, buying a new mobile phone. I can do both of these company expenditure. Future will be paying utility bills, business invoices, GST, income tax, travel etc.

I applied to tata neu & some IDFC card last year but they rejected it somehow (I showed employed instead of self employed, that created a problem)

My current CIBIL is 799 (checked just 3 days back)
I have paid off 2-wheeler loan many years back.

No other loans to my name right now.

****Preferred rewards, in their priority order:-

1. Cashback (unlimited or maximum possible)

2. Flight / Hotels

3. Restaurant / Hotel vouchers etc

I am NOT interested in free movies etc

CAN SOMEONE GUIDE ME what should be next card and subsequent cards after that ?

I Have 15 plus years of industry experience.

Wish to pursue Design Science Research in leveraging multiple disciplines to solve B2B business problems.

I have had a huge discussion with Claude & according to claude a brief description is:-

" I am designing a market, implemented as a system, running on a network, governed throughout by behavioral mechanism design."

"I am studying it through Design Science Research, iterating through Action Research cycles, and evaluating against Information Systems own success & trust criteria"

I have BAG (Psychology + Maths) Bachelor of Arts General

and a diploma in Export-Import management

If you have been able to get a fully funded PhD (or a masters + Phd program) using only a Bachelors degree, do share with me your experience.

General comments also welcomed from everyone.

thank you

I Have 15 plus years of industry experience.

Wish to pursue Design Science Research in leveraging multiple disciplines to solve B2B business problems.

I have had a huge discussion with Claude & according to claude a brief description is:-

" I am designing a market, implemented as a system, running on a network, governed throughout by behavioral mechanism design."

"I am studying it through Design Science Research, iterating through Action Research cycles, and evaluating against Information Systems own success & trust criteria"

I have BAG (Psychology + Maths) Bachelor of Arts General

and a diploma in Export-Import management

If you have been able to get a fully funded PhD (or a masters + Phd program) using only a Bachelors degree, do share with me your experience.

General comments also welcomed from everyone.

thank you

I wish to exit the microsoft universe & work with linux.

No specific complaints, the windows OS will be out of service soon, my laptop is kinda old & it hangs whenever I tried to operate Cursor, Anti-Gravity or even Google Chrome. Surprisingly VSCode worked smoothly.

A LOT of people suggested MINT here https://www.reddit.com/r/linux4noobs/s/mBmIgfvzDw

Can I somehow keep my windows OS on my laptop & run MINT on a flash drive or something, to test my comfort & then maybe make the switch afterwards?

My system details are as follows:-
Processor (CPU): Intel Core i3-6006U @ 2.00GHz (Dual-core, 6th Generation).

RAM (Memory): 4.00 GB @ 2133 MHz.

Storage: ~1 TB (932 GB total capacity, with 206 GB currently used).

Graphics: Integrated Intel HD Graphics 520.

Device Model: HP Laptop 15-bs0xx.

Gemini suggested Linux Mint to me, but I would love to hear community suggestions.

Please share your recommendations or just what you chose for yourself

with maybe a short explanation / reason, why ?

Appreciate your help

New information EDIT below:-

*** HARDWARE UPGRADE

I will be adding 8GB more RAM, I amtold my total RAM will become 12GB after that

256 SSD in addition to the 1TD HDD

Is there anything that needs to be done in hardware ?

*** USECASE:-

Run ERPNext software, Brave Browser, Libre Office or some other OFFICE suite

Run VSCode, Anti-Gravity, CLaude code or something else

I am an entrepreneur building my own software.

I wish to exit the microsoft universe & work with linux. No specific complaints, the windows OS will be out of service soon & my laptop is kinda old.

I wonder if linux would be better for my work & also development.

My system details are as follows:-
Processor (CPU): Intel Core i3-6006U @ 2.00GHz (Dual-core, 6th Generation).

RAM (Memory): 4.00 GB @ 2133 MHz.

Storage: ~1 TB (932 GB total capacity, with 206 GB currently used).

Graphics: Integrated Intel HD Graphics 520.

Device Model: HP Laptop 15-bs0xx.

Gemini suggested Linux Mint to me, but I would love to hear community suggestions.

Please share your recommendations or just what you chose for yourself

with maybe a short explanation / reason, why ?

Appreciate your help

New information EDIT below:-

*** HARDWARE UPGRADE

I will be adding 8GB more RAM, I amtold my total RAM will become 12GB after that

256 SSD in addition to the 1TD HDD

Is there anything that needs to be done in hardware ?

*** USECASE:-

Run ERPNext software, Brave Browser, Libre Office or some other OFFICE suite

Run VSCode, Anti-Gravity, CLaude code or something else

I am an entrepreneur building my own software.

Does Ally Personal checking account allow individuals to do SWIFT international transfers ?

What are the charges for the same ?

Does it allow transfers to third party businesses via ACH or FedWire ? Or is it limited like chime ?

My customer has a weird small community bank account whose app didn't work & 2 visits to branch also did NOT work.

I wonder if my US client can use wise to do local ACH transfer to my JP Morgan account ?

Is local ACH transfer better or should I ask her to do SWIFT direct to Indian account ?

Does Payoneer India have any customer care or NOT ?

Considering to collect a payment from USA using payment links

I wonder what could go wrong

I have to make an import payment & recipient has a business banking/current account in India.

I wanted to know if XOOM supports this type of payments also or NOT

Please share your experience

Has anybody in USA used XOOM for payment to Indian current accounts ?

Do share your experience.

If you have any other alternative which you have personally used, do share those also.

Payment is for imports.