to make reservation TGV?

Hello. I m going to have a journey from paris to toulouse
on 01/06

there are few thing that i need to check before i abroad.

Ive searched train section on voyage-sncf.com
from paris - toulouse and i should get a night train

(see below here)
”””””””””””””””””””””””””””””””””””’
Aller le vendredi 01/06 à partir de 22h56 - prix total pour 1 passager

Sélectionnez le tarif de votre choix puis validez votre aller
22h56 PARIS AUSTERLITZ
06h41 TOULOUSE MATABIAU

.”””””””””””””””””””””””””””””””””’
it’s ticket fares are

discovery 12-25 -> 65euros

regular fare - 86.60

————————

when i searched for the ticket,

i put ‘young person 12-25′ in the first box of section ‘3. who is
trevelling? ‘ then i made others remain as it was in the order
i mean i didn’t checked that i have ‘discovery 12-25 and did not put the registered numbers on it

then those price above showed

anyway i wonder if i do not have ‘discovery 12-25′
can i get discount price 65euros for this ticket if i identify myself
that im under 25( like passport, or school letter)? of i have pay in full of regular if i have not got it
(i ve heard if i have ‘discovery12-25′ that i can get 50% discounted price for tickets except when it’s full of reservation
or peaks.)
that 65euros just came out even i didn’t have ‘discovery 12-25′
so i really wondered.

and another question
my arrival of CDG Airport is 15:30 01/06 from tokyo
i worry that if i try to book it about 7hours before it’s departure
can i get ticket immediatly.
or if i have to make reservation for it
(what if it is gone i mean sold out)
but i ve got no credit card .. it must be payable by cash
can i make pre-reservation (pay it when i book it)?
if i can how ? tell me any solution that i can do please!!

Very Urgent for me to decide
please get me answer as soon as you get this
there is only 1 chance that i decide with
my agent next monday at 19o clock (noon in france)
and i should get this before that time please

thanks

Discovery 12-25 isn’t a card need, it is the name of the fare. All you should need to use it is a photo ID with your birth date on it proving that you are under 26.

You can pre book a ticket and then pay for it at the station at automatic ticket machine at the station. You will have pay before a due date, when I looked at the site it showed the due date as 28/5, I am not sure if it is always a week for the due date or not but it does give you an email that you can contact them if you would like to find out. http://www.voyages-sncf.com/dynamic/_SvSendMail2?_LANG=UK&type_mail=1&theme=2

Wasn’t approved for credit card, why?

I tried applying for my first credit card with the bank Chase and wasn’t approved. I applied for a Chase Freedom Master card. The letter I received said that I had no information in the credit bureau. I understand that I don’t have any credit information because I’ve never had a credit card before to build my credit score, but how am I expected to do so if I can’t get one to begin with?
well jimmy, I’ve added all my details. I haven’t missed a single thing. The letter said "The reason(s) why you did not score well compared with our other approved applicants were: No information in credit bureau" so apparently that is all the reason they need not to approve me.

You were turned down most likely because you don’t have existing credit and because banks are being very picky about who they offer credit to. It’s a tough situation, trying to establish your credit, but you should take this as an opportunity to ask yourself why you need a credit card in the first place.

i think its possible i have one of the worst credit ratings, i need a way out,?

ive probably been refused credit 250 times online i would say maybe more, defaulted on every loan ive had, messed up 3 mobile contracts, messed up car finance, oh and not to forget the credit cards and payday loans and catologues, is it possible im in a catagory of a select few with a credit rating so bad that even the worst lenders on the planet wont touch….

Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - credit-report-free.totalh.com

What happens to your credit score when you cancel a credit card?

say you are in good staying, never was late. always payed the balance. but you have too many credit cards let’s say. so when you cancel that credit card. what happens to your credit score? Does your credit limit you had for that card get erased from the records? after all those years of building the credit limit to help the credit score. what happens to it? and what happens to your score? i’m just curious.

There are a lot of factors affecting your credit score. Let me just break down what you mentioned and identify whether they would be good / bad for your credit score.

Never late / always paid the balance - Definitely good

Too many credit cards - This, more often than not, lowers your credit score… especially when the total card balances take up too much of the total credit line given to you.

if you are looking for the free credit score and report usa national site, check out this site

http://free-credit-report-national.com/

Here you can see your 3-in-1 Report from all three credit reporting agencies and your credit score.

Is Refinancing a Mortgage Really Worth the Hassle?

There are a few reasons for one considering refinancing a mortgage. Some people think that it is the best way to consolidate debt and some find mortgage refinance as a way to liquidate equity by applying for Cash-Out-Refinance. Refinancing, especially with bad credit may not be solution for your situation due to the high rates and prepayment penalties involved.

Refinancing for the Purpose of Improving Credit Ratings

Low credit ratings make a mortgage refinance expensive and not always worth while. If you plan on refinancing only to improve your credit score you might find that it isn’t the best scheme. Truth of the matter is that you can repair your credit by paying your monthly payments on time. After several months you will see your credit score climb without the need of mortgage refinancing.

Reducing Monthly Payments by Refinancing a Bad Credit Mortgage Loan

People who have an Adjustable Rate Mortgage (ARM) and find the payments to be high, meaning, increasing their debt, are advised to refinance their mortgage to a lower fixed rate. You can find and compare online mortgage lenders that hopefully will quote you decent rates. Don’t forget to negotiate the terms and conditions for your benefit. The best interest for you would be the lowest rates as possible and waiving closing costs. That isn’t guaranteed to happen but defiantly worth the try. A good convincer would be to put a large down-payment, to negotiate the closing costs with. As to the interest rates the best thing you can do is to take time and compare a handful of lenders the best rates and mortgage options.

Cash-Out-Refinancing Liquidating your Home Equity

When you’ve obtained the mortgage you only put part of your house as collateral to secure the loan. For example your house is worth $150,000 and you have a mortgage of $50,000 the difference is known to be your equity. Naturally there is a minimum and you cannot use the total equity but you may liquidate your qualified home equity for cash expenses. Some use the cash to consolidate debt or for home improvements. Depending on your problems you may want to consider a home equity loan as an option. This can eliminate your credit card debt. Remember not to make the mistake of building up your debt again. If you need some help contact a credit counselor or discuss the issue with your mortgage lender.

When looking into bad credit mortgage refinance be sure to pay attention to the fine print. Compare mortgage lenders to get the best quote possible.

Joel Cohen
http://www.articlesbase.com/mortgage-articles/is-refinancing-a-mortgage-really-worth-the-hassle-122954.html

How To Secure Discount International Plane Tickets

The following article discusses how to secure discount International plane tickets as well as looking at the history of cheap air travel.

The invention of the airplane has truly helped us in countless ways we cannot imagine. It has revolutionized the travel industry by making it easy for us to cross borders and go wherever we may wish to go to around the world. Places before that took days, weeks and even months to reach by boat are now just hours away if we travel by plane. When we need to get somewhere very important in the shortest possible time, that place is just a flight away. Shorter travel time has enabled people to travel more and explore other places of destination within arm’s reach.

I believe that everybody will agree with me when I say that a lot of people all over the world love to travel. I myself get excited with anticipation when I get the opportunity to visit unknown places, exotic locations, and most especially tropical paradises. I enjoy the learning experience of discovering the colorful culture of other countries, learning about their vibrant history, unique customs and one-of-a-kind traditions.

Whatever may be our reason for a strong desire to travel, be it to explore far away places, have a family getaway, spend quality time with a loved one or just have the luxury of time to relax and unwind form all the stress at work; we don’t get to travel that much because of the cost involved. With the rising prices in fuel coupled with the security concerns associated with traveling whether locally or internationally, lesser people are able to afford the rising airfare rates.

But how do you secure discount international plane tickets? What if there were ways for you to get to travel for free? Now wouldn’t that be such a sweet deal. It may sound impossible but believe me there are a number of ways to get travel freebies. You just have to look in the right places.

You can actually win free travel tickets from raffles. There are always companies offering vacation sprees as prizes for their raffle entries as part of their marketing and promotions. Most of the prizes here though are for specific destinations and you cannot choose or specify your choice location. A lot of people will also be joining these raffles especially if it is free to join, so your chances of winning are slim.

You can also get free travel tickets as a free or bonus item for certain purchases. Some companies offer travel packages as an incentive whenever you buy something from them. These programs are usually offered for big purchases, like when you buy a new vehicle, purchase high-end appliances or avail of a club membership. The purchase of a vacation package may also entitle you to a free flight of your chosen place of destination as an added freebie.

It has also been a popular practice nowadays with airline companies to issue frequent flyer cards. Every time you travel on a particular airline you earn miles equivalent to the miles you have traveled. You accumulate these miles and upon reaching a certain number, you can exchange them for certain goods or items. But most importantly, you can exchange them for airline tickets to any place or destination. If you travel most of the time, it would work to your advantage to avail of this frequent flyer program for you could definitely get a lot of free flights. Credit card companies are even entering the picture. Certain credit card companies are offering its clients the opportunity to convert their purchase points into travel miles. Upon accumulation of the minimum required miles, you can redeem these for free airline tickets.

You don’t have to spend to travel for free. If you know where to look, you are well on your way to getting that free travel vacation you have been looking for. Think out of the box to get your discount international plane tickets!

Steven Mitchell
http://www.articlesbase.com/travel-articles/how-to-secure-discount-international-plane-tickets-123707.html

Perfect Borrower? How Many Black Marks Have You?

So what makes you a perfect borrower?

Here are a few of the gold stars you would need to earn to become a perfect borrower in the eyes of high street lenders.
You must be a homeowner, on the electoral role, married, have your own phone line, no late payments on loans, pay off at least a couple of credit card bills each month, no past financial problems, have full time employment, up to date on your store cards…..

Conversely, which applicants are likely to be refused credit?

Statistics show that 20% of applicants in the UK have had difficulty in obtaining credit. Your past financial history can have a big impact on the amount you will have to pay and whether you will be able obtain credit.

Having no financial history can also be problematic. Lenders are unable to reassure themselves that you have run your financial affairs smoothly in the past.

Many factors are taken into account when calculating your credit rating from the trivial to the very serious. Examples of the latter are CCJs, defaulting on a loan or becoming bankrupt. They can stay on your file for a maximum of six years and make it extremely hard for you to obtain a loan from high street lenders, especially when we are in the middle of a credit crunch. Naturally it will be difficult to obtain a mortgage or re-mortgage if you are already in arrears with your present mortgage repayments.

Late payments on a loan or credit card may not pose a problem, as long as they don’t recurr regularly. Recurring late payments can be interpreted by lenders as a sign of financial weakness.

Summarising, credit problems in the past will prove to be expensive for you in the future. A low credit score will allow you to borrow relatively cheaply, whereas a high score means higher rates.

‘Headline’ rates advertised in the newspapers, which have a low APR figure, are not necessarily the rates you will have to pay in practise. Lenders are required to promote a typical APR. Although this rate may still look attractive, it does not mean that a large proportion of applicants will receive a loan at that rate, as many will fall by the wayside through poor credit ratings.

You may have to approach a sub-prime or specialist lender if your credit rating is poor. Inevitably the rate will be high, as this group of lenders have to cover their costs if you default on your repayments.

A word of caution to consumers, who are looking for a bad credit loan. There are companies in the marketplace, who will ‘guarantee’ you a loan, but in return will request a fee to process your application. Never accept a verbal promise, as once you have paid the fee, suddenly the loan could become harder to get or the APR jumps several points.. In addition your fee may never be refunded.

The sub-prime market has expanded enormously over the past few years, which has created competition between lenders. This competition has led to responsible lenders offering more realistic rates than we have seen in the past.

Underwriters deal with all kinds of problematic loan enquiries, so they will normally handle your enquiry sympathetically.

Sheila Challiner
http://www.articlesbase.com/finance-articles/perfect-borrower-how-many-black-marks-have-you-752376.html

Apply Online For A Credit Card: Why Not Take The Chance?

The talk about credit cards had existed for so long. It is not a new topic to discuss anyway. In fact, there are plenty of people who have secured their own credit card and are currently enjoying the privileges that come along with it.

You can also say that some of them have experienced the most unexpected twists when it comes to handling their credit card debts.

You should be smarter than the rest of them.

As time passed by, you should have been knowledgeable enough regarding the pros and cons of owning a credit card. Taking the disadvantages aside, everyone can attest to how helpful credit cards can be. After all, the credit cards are among the valuable tools utilized when buying goods as well as services in these modern times.

So how do you apply for credit cards? Realistically, credit cards can be secured through both the online and offline methods.

What is meant by the offline application is that the lending establishments such as banks and some reputed credit card companies make the service available for all eternity. Applying to them needs you to phone the concerned party so that the forms can be mailed to you or you may pay them a visit anytime.

But thanks to the advancement of the technology as the online application for a credit card has come into being. Again, such power has clearly provided everyone the convenience and ease in the use of the credit card services.

Apply online for a credit card now. Yes, it is as easy as the 1, 2, and 3 steps. Your computer is your main tool in accessing online application for a credit card. With the use of the computer mouse, you gain entry to the portals of the various credit card firms and be able to transact with them.

The internet network is of great help in this endeavor because most of the online credit card applicants can prove that the application is very fast. The verification of the requirements will only take a fraction of time so you need not wait for so long. After a few minutes, you will be able to know if your online application for a credit card got approved or rejected.

Being equipped with an internet access, which is as of today a must for all homes, you can comfortably sit and browse the websites for the most appealing yet functional credit card offers. Most of the banks now have their homes online so transacting with them is very easy. More so, the online application for a credit card has also become as swift as how light travels.

So how do you go about the online application for a credit card? First furnish the prerequisites indicated on the website. Furnish the company with copies of these requirements through email and wait for its course of action. In a matter of seconds, you will know the result of your application. It is necessary that you take a look at the kinds of credit cards that you are capable of availing. Likewise, be very particular to the terms and conditions that come along the online application for a credit card. You must beware of scams too since these are very rampant nowadays.

Unless you try applying online for a credit card, you won’t know what you are missing. Why bother waiting the approval for your application for so long when you can have it the easy way? Just apply online for a credit card!

Mario Churchill
http://www.articlesbase.com/finance-articles/apply-online-for-a-credit-card-why-not-take-the-chance-90287.html

Unsecured Personal Loans: Avoid the Threat of Repossession

The popularity of unsecured personal loans is growing day by day. The reason behind this is that the unsecured loans have lower interest rate as compared to the credit cards.

According to a recent survey it was found, that around six million Britons would consolidate their multiple debts with the help of unsecured personal loans.

With unsecured personal loans, you will not have the threat of repossession of your property. Apart from that you can also seek an unsecured loan fast as compared to a secured loan .The reason behind this is that the valuation of collateral doesn’t take place. In addition to that less paper work reduces the hassles with this loan type.

For getting a cheap unsecured loan you need to shop around in the loan market. A cheap unsecured loan is nothing but a loan on lower interest rate. You should compare the loan quotes with high street banks, building societies, and private lenders. The loan quote which you would find the least would be feasible option to go for it.

You can fulfil most of your needs with unsecured personal loans. You can buy a car, renovate your home; consolidate your multiple debts, going for a holiday trip etc. with this loan type. With an unsecured loan you can borrow a smaller loan amount as compared to a secured loan option. So, you should make your budgets accordingly. Apart from this, you would get a shorter repayment term to repay your loan amount. So, you should prepare yourself to repay the loan within the stipulated time frame.

Due to the stiff competition among the lender, it is easy for you to select a loan on lower interest rate. If you want to avail a loan, you need to apply for the loans online and you would be contacted by the lenders with their loan quotes. Once you get a loan quote from a lender you should compare the loan quotes.

Henry Neal
http://www.articlesbase.com/loans-articles/unsecured-personal-loans-avoid-the-threat-of-repossession-113858.html

Should I start over at a different bank?

I’m a new college student who has an old savings and checking account as well as debit and credit card. I’m eighteen and I’m not exactly sure of how much authority I have other these accounts in comparison to my parents. My relationship with my parents is not exactly perfect and I’m uncomfortable with them having access to all of this especially since I’m going to be applying for a job soon.

I’ve tried to manage this numerous times and have kept running into walls. I’m tempted to completely start over at a different bank and open a savings and checking account there as well as a debit card. I don’t think I plan on closing any of my old accounts however, and think I will just leave them in my parents name (where I’m pretty sure most of the authority is). A large reason for this is that I don’t know what effects this could have on my or my parents credit score. Do you think this is a good or bad idea?

Thank you

I assume you mean that your old accounts are in your parents’ name with you as a joint owner.

Closing the old accounts will not affect your parents’ credit score, assuming they have their own checking and savings accounts independently of the ones you share with them.

I think you should open new accounts in your name only, so you can solve your problem. You can do that at the same bank if you’d like, as your parents would not have any access to your new accounts.