183 0 obj For instance, your applications for new cards and balance transfers remain subject to approval. Tap the Add button . Hold the phone still when touching on and off. 0000003206 00000 n Critics of 'hostile' Myki say Melbourne doesn't need a world-beating Myki myths 3: credit expires after 90 days - no it doesn't If you transfer the total amount to a new card with a credit limit of $10,000 and close both your old accounts, your credit utilization ratio increases to 50%. For more information, visit the V/Line website. Check that NFC is enabled on your phone. In my experience touching on is quicker than validating a metcard. Please note, balance transfer is not instantaneous. The next question is whether MYKI is free before 7 a.m. On a weekday, train travel completed . Your current balance will be transferred to the new myki, which you can use immediately. For instance, the U.S. Bank Visa Platinum Card's 0% APR on balance transfers applies only on balances transferred within 60 days from account opening. I have had a myki card virtually since the start date. If your Android phone with Mobile myki has been lost or stolen, contact your service provider immediately to have the phone blocked. It's idiotic bureaucracy and laziness stopping them doing the transfer, not technical limitations. Your Mobile myki expires after two years. If you can just transfer money between mykey cards, well then what would the tracability of those funds be? Balance Transfers for Credit Cards - Tips and Advice | CIBC As a security measure, we don't allow payments via Mobile myki using anything other than a VISA/Mastercard. It seems pretty archaic having to fill out a form and send it in for a replacement Myki. Pick a card that waives the balance transfer fee. Also if James or Patrick from the PTV call centre get to see this I'm sorry for being a cunt nugget. 0000003801 00000 n Transfer registration. We are committed to being fully transparent with our readers. How hard can it be to transfer money from a card that I own to another card that I own, both under my name and both registered to my account? Because most balance transfers do not happen immediately, it is important that you continue to make payments on your current balances until you confirm that the balance has been transferred. This will allow you to deactivate your Mobile myki then reactivate it again. One may also ask,do pensioners get free train travel in . Only time I had to was when my original myki was expiring. I realise this is not a life-changer, but there's a principle at stake. 0000003374 00000 n They're talking bullshit. This 0% interest period can help you carry your debt for a limited time without paying interest. In order to touch on, there is only one condition that must be met: a myki money balance of $0.00 or more. Any other travel benefit such as free weekend travel isn't available at this time. 0 215 0 obj I called, they told me it couldn't be done and that I would need to fill out a form. Myki | Youth Central Buy a Myki card; Top-up a Myki; Traffic accident reports Traffic accident reports child pages. A Mobile myki expires after two years. Unregistered vehicle permit. 0000005223 00000 n You probably want to transfer a balance to save money not spend more. The process begins when you submit a balance transfer application. From the Transfer Funds From drop-down, choose the credit card where the balance was coming from. Receive a new myki smartcard when yours expires Your myki smartcard expires after four years. The balance transferred when the old card expired. Done it twice now. Contact us to request the transfer. This will allow you to deactivate your Mobile myki. Myki (/ m a. there's no excuse for this money-grubbing by the Myki corporation.Sure there is transferring money between cards is not the primary function. If you buy a myki from a retailer, ticket office window or myki machine or buy a Mobile myki, it's unregistered. No. The cost would have been deducted from the balance at transfer. The card itself holds the balance, rather than a back office system telling the readers that the balance is available. Haven't tried as yet. Tap Continue. Card issuers often have balance transfer offers, sometimes with rates as low as 0%. Balance Transfer Calculator: How Much Can You Save With A Balance Once your phone has rebooted, go to Mobile myki within Google Wallet. Enter your card number and other required information.4 https://i.ibb.co/2NK61G8/aviary-image-1552378190281.jpg. 186 0 obj NerdWallet's Best Balance Transfer & 0% APR Credit Cards of March 2023 Citi Simplicity Card: Best for Long 0% period on transfers + no late fees BankAmericard credit card: Best for. You can only have your Mobile myki active on one device at a time. How to Transfer a Credit Card Balance to Another Card Carrying out multiple transfers to a single credit card may affect your credit score by increasing or decreasing your credit utilization ratio (the percentage of the amount youve borrowed from your total available credit). Balance transfers usually go through in five to seven days, although they may take longer. <>/Metadata 30 0 R/Pages 29 0 R/StructTreeRoot 32 0 R/Type/Catalog/ViewerPreferences 180 0 R>> Damaged or defective myki smartcards can be replaced for free on the spot at a PTV Hub. Children, seniors and concession go card holders travel at 50% of the normal adult fares. They also monitor over 1,600 consumer credit cards to simplify how our readers look for suitable alternatives according to their specific requirements. I'm glad I don't need to catch public transport anymore. 180 0 obj Personal Credit Cards? Melbourne commuters to use their phones as a Myki, but only if they're If you need to replace a lost or stolen registered myki, there are a number of ways that you can do this. Commuters in Victoria are calling for an overhaul of the Myki system after learning there is almost $80 million worth of unused credit sitting idle. I asked if I could go into a premium station and he said yes, if I see a staff member and have the details they can replace it on the spot, but it will take 5-10 business days for the money which was on my lost card to be transferred onto the new card. If the Android phone containing your Mobile myki is lost or stolen, let us know as soon as possible. Assume that your new card charges a 3% balance transfer fee. No, you can't get a refund on the ticket cost, but you can be reimbursed for unused credit. Learn more about auto top up. You can also top up: Online now Via the PTV app Instantly top up via the PTV app by scanning your myki card Travelling Your first touch on creates a 2 hour fare. Check your Mobile myki, you may be in negative balance or your myki Pass may have expired. Maintain your L-plate log book. What are the best credit cards for bad credit with no deposit and instant use? 8:35pm Feb 8, 2020. Within the phone, go to Settings > Connected devices. myki Money - Public Transport Victoria Yes. You can also request up to two years of travel and transaction history by calling1800 800 007. Renew driver licence. For example, when your myki Money balance reaches $10, you could top up with $20. If you have Mobile myki you can set Auto Load via the Google Pay app. Licences. Cookie Notice Tap Travel Card. Does a balance transfer happen automatically? -- Lee Huffman, credit card expert at BaldThoughts.com. 216 0 obj <>/BS<>/F 4/Rect[26.1 186.97 137.65 203.87]/StructParent 3/Subtype/Link>> <>stream hb```* wAbl,>|``8ux p:jb].|RCZi!_tEH} gWt AB,X@V! P 5icD= < Mj.15;8BS og8~Pm`apa9kXv0ah G #}){4Pcl;]xLy@ =M The most upsetting part about myki is the initial card cost, which is far more than it costs to manufacture. Image what could have been done with a billion fucking dollars. To. If you get a new card with a 0% APR offer on balance transfers, you might need to initiate the process within a stipulated time frame to make use of the offer. Save Big With Low-Rate Balance Transfers. Myki - Got Fine for Low Balance - OzBargain Forums 0000014445 00000 n Sorry, the Seniors Card program cannot replace lost myki cards. . We're working to improve our systems so we can allow other payment card types in the future. hbbf`b``30 ap The lost card will be blocked and a replacement card mailed to you within 10 business days, with the remaining balance transferred to your new card. Why Military Personnel Are Vulnerable to Identity Theft? My Myki was due to expire after three years. Registering your myki is a good idea because if it's lost or stolen you can report it so that your balance can be frozen. Once it's transferred to another device, it will no longer be available on the original device. Transfer your balances to the card with the best offer or your new card. Step 5: Apply for the New Card. What a frikkin waste of money! 1. They could have at least have forms on their website to print and send. If you wish to transfer $5,000 from one card and $4,000 from another, you will need to pay balance transfer fees amounting to $270, which adds to your new cards starting balance. Auto-load is the same as auto top up. But is it possible to go to a ticket booth and have the person there do it? We'll block it and can arrange a refund to your new Mobile myki. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. 0000001606 00000 n Also take note of any balance transfer fees, annual fees, APRs on purchases and added features. I have my most recent card that has $6.54 on it. They actually can transfer your funds really easily but you need to get a case created. The poor guy was really nice about it and I also feel horrible for being angry at the call centre staff and if you saw an angry young man in a suit on the Sandringham line that was me. Balance transfer fees may apply. This helps you to avoid late fees and penalty APRs on your existing accounts. Check your old Myki cards - Daniel Bowen and our Information on WalletHub Answers is provided as is and should not be considered financial, legal or investment advice. Understanding Credit Card Balance Transfers - Investopedia JavaScript must be enabled to use this site.We're sorry for any inconvenience. What is Identity Theft & Credit Card Fraud and How to Protect Yourself? You can request a new, free myki smartcard through your online account. I was told that I could only have one card balance moved to my second replacement card, and that the other would have to be done via a transfer form. there's no excuse for this money-grubbing by the Myki corporation. Step 3: Review Card Offer Terms. <>/Filter/FlateDecode/Index[32 146]/Length 27/Size 178/Type/XRef/W[1 1 1]>>stream How do balance transfers work? | Barclaycard We're looking to expand the number of card types available, so more passengers can use Mobile myki. You could pay less interest by transferring balances from other higher-rate credit cards to a Wells Fargo Credit Card. Save. On occasion, there is a small (< $10) balance leftover, which expires after a couple of years. How many level crossings could have been grade-separated with that money? Do Not Sell or Share My Personal Information. Youll need to complete a V/Line Passenger Refund Application Form. 0% intro for the first 15 months (then 19.24% to 27.99% variable) $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Why do you need to keep swapping cards? For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Reasons for denial may include waiting for too long after getting a new card, wanting to transfer more than your available credit limit or trying to transfer a balance from a card issued by the same card provider. How Do Credit Card Balance Transfers Work? - Investopedia If it doesn't appear, your phone does not have an NFC chip. Know your existing credit card's interest rates, balances, and balance transfer limits. A lost or stolen Date-to-Date ticket can be replaced with a duplicate ticket at the issuing V/Line station, once you complete a V/Line Passenger Refund Application Form. Hire the best financial advisor for your needs. 182 0 obj If you are no longer entitled to a concession myki, and now need to obtain a full fare myki instead, you will need to purchase a new myki with the full fare travel entitlement. 3. These are the eight most commonly purchased myki Passes. the PVT website says: "What to do with your myki when you leave Melbourne. Balance transfer from Lowe's to another card? - myFICO Forums If you're still travelling after 2 hours, you'll be charged a daily fare. 0000004362 00000 n FAX?! Assume that you wish to transfer $3,000 from a card with a credit limit of $5,000 and $2,000 from another card with a credit limit of 10,000. Myki was first rolled out in 2010 and fully replaced the previous Metcard system 10 years ago this week. Mobile Myki can be set to Auto Load. The easiest option is to call PTV on 1800 800 007. More than a year ago, I needed to change my concession Myki to full fare (no longer a student). You will need to provide identification to show that you are the registered myki card holder. Transferring balances from multiple credit cards to a single card to consolidate your debt might work well if you have a concrete payment plan in place. From a creditworthiness point of view, this number should be at 30% or lower. Auto top-up: If you have auto top up on your original myki, this service will not be transferred to your new replacement myki. When you pay to put credit onto your Myki card, someone else does get your money and put into your bank account. <> If you need to travel in the meantime, buy a new myki and top up with myki Money or a myki Pass. Enter the amount of debt you want . If you use an Australian Mastercard/VISA card to purchase and top up your Mobile myki, you can get a refund via the PTV website, PTV call centre or PTV Hubs. According to the Fares and Ticketing Manual (ptv.vic.gov.au) Seniors Card Frequently Asked Questions (FAQs) There must be hundreds of thousands of Myki card balances in this situation, if not millions. Myki Card | Buy or Top-up | Transport and Driving | Service Victoria Key points: A third of Melbourne's public transport users will be able to use the app The Government is in talks with Apple to develop an iPhone version This resets the fare expiry and gives you more time to complete your journey. 0000004635 00000 n This question is about Synchrony Bank Credit Cards. 187 0 obj You can use the ticket number to register your myki or if you require a refund. You may want to hire a professional before making any decision. Buy a new myki and top up with myki Money or a myki Pass and register your new myki. That said i have a stack of Opal cards, because sometimes I leave my main card in another pocket or bag and also got spares for friends visiting from Overseas. JavaScript must be enabled to use this site.We're sorry for any inconvenience. Learn how to transfer a credit card balance from one credit card to another and take control of your finances for greater peace of mind, with Santander Bank. +1myki cards are no like bank account cards where you need to transfer funds on a regular basis. Learn About Balance Transfer Credit Cards, According to Chase, it processes most balance transfers "within a week, but in some cases it can take, Balance transfers from American Express usually take 5 to 7 days, but in some cases, they may take. <>/BS<>/F 4/Rect[123.42 258.71 218.47 271.36]/StructParent 1/Subtype/Link>> Choose a card from the list or search by location or card name. 2 If you're transferring a balance of $1,000, your balance transfer fee would range between $20 and $50. This is why I don't keep much money on transport cards. How to transfer your credit card balance - Citi.com You would think they could have done it over the phone. 1. So I had a mobile MyKi with around $6.xx balance on it. 0000001076 00000 n For a bus anyway. How are Banks Adapting to Meet New Needs Because of Coronavirus? Is it bad to do multiple balance transfers? The unused money remains on the card, losing value as fares increase over the years. How does credit and credit cards work for students? Any chance I can get my money back/ transfer it to a new mobile MyKi (both are registered and visible in my account)? Myki Q+A: Straight answers to your questions | Public Transport Users Pay down this card's balance quickly to improve your credit. Your Mobile myki will now appear in Google Wallet. Myki is the best free password manager for users looking for secure storage, ease of use, quick authentication, and cross-platform syncing. myki - Public Transport Victoria endstream 13 Best Balance Transfer & 0% APR Credit Cards of March 2023 For more information, visit the V/Line website. MoneyGeek experts have narrowed down on the best balance transfer cards by relying on the company's unique ranking methodology. The Address 0x12a0e25e62c1dbd32e505446062b26aecb65f028 page allows users to view transactions, balances, token holdings and transfers of ERC-20, ERC-721 and ERC-1155 . PTV advises that you call 1800 800 007 to block your existing card and the team will then send out a new card, which will . No, you cannot transfer a balance from one Synchrony Bank credit card to another. You can also see your myki Money balance, myki Pass expiry and last 10 transactions on a myki machine, Quick Top Up or myki Check myki equipment. For more information, visit the V/Line website. NSW has their equivalent, the Opal Card, and there is no charge for initial issue of the card. PDF Guide to balance transfers and refunds - TransLink You can also update it there if youre not on the latest version. Create an account to follow your favorite communities and start taking part in conversations. What are the best Ways to Start Travel Hacking? 0000002429 00000 n 0000004863 00000 n To complete these transfers for the entire amounts on both cards, you will need an available credit limit of at least $9,270 on your new card. Online at Public Transport Victoria website . Although your overall credit utilization may be low, if the utilization on one card is high, that may negatively impact your credit score. How can I check the balance of my myki card? - KnowledgeBurrow I was told that when I made a new card I would be able to transfer the money across. In person at a PTV hub , or a premium metropolitan station or staffed V/Line station inside the myki boundary. About Myki cards & Mobile Phone SIM cards - Melbourne Forum Victoria's myki public transport card could be scrapped by end of 2023 Make sure you pick a card that accepts balance transfers and has advantageous rates. %PDF-1.5 % Balance Transfer Offer: Get a 0% introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days, a variable APR of 15.49% - 25.49% . I don't know where the actual card is. If you have another transit or public transport product in your Google Wallet account (such as Suica, Las Vegas Monorail), it may detect interaction with the myki system. trailer Apply for a traffic accident report; Watch the video for steps on how to register online or read more on how to register your myki in the PTV app. As a matter of fact, most Synchrony Bank credit cards do not allow balance transfers to begin with. I plan to use my boyfriend's Lowe's card for 24 months 0% financing on a huge purchase. From the Transfer Funds To drop-down, select the credit card that will received the balance. Try hovering the phone just above or near the reader, rather than touching the phone on the reader. About go card | Translink You only need to wake up your phone to touch on and off. Auto Load set up within Mobile myki can take up to 10 minutes to top up myki Money. Your first touch on creates a 2 hour fare. Why are the PTV and Victorian Minister for Transport allowing Myki to get away with this? What is a balance transfer and how does it work? - CreditCards.com Upon approval, your new card provider might pay your old card provider directly or send a check to you. <>stream If you're travelling on a concession fare, you must make sure you hold the correct concession entitlement. If you're entitled to these additional benefits, you can access them by using your myki smartcard. From the "I Want To" drop down menu, find "Transfer a Balance.". I still don't understand why though - what is the technology required to do this? Paying off a balance transfer is a huge accomplishment and will positively impact your financial future. I'd like to transfer all money from my other cards to my main card (the one with $6.54 on it). Privacy Policy. For physical myki smartcards we'll transfer your balance to a replacement myki at no cost. My old one is registered and everything with my account but there seems to be no way to import that one in. Now you cannot access it on your original device. Load money onto your card and myki will calculate the lowest fare based on the zones you travel through, with access to access 2-hour and daily fares. What are the best cash back credit cards for fair credit? If your Android phone has been lost or stolen and contains a Mobile myki which isnt registered, contact Google Pay to get your ticket number. WalletHub Answers is a free service that helps consumers access financial information.
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