Understanding Credit Card Balance Transfers - Investopedia Within the phone, go to Settings > Connected devices. Can I check my myki card balance online? - TipsFolder.com This will allow you to deactivate your Mobile myki. 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. A Mobile myki expires after two years. This is how I feel when people ask if I can fax them a form. Thats fucking stupid, that means each touch on has to have a processing unit to determine distance traveled and amount charged. Here are some tips to save on fees and interest on a balance transfer. More than a year ago, I needed to change my concession Myki to full fare (no longer a student). To transfer Myki you need to deactivate the myki card and move to the new device. Im sure Myki could add this capability to their website if they cared to. I am only onto my second card because the first was lost. Wow. The people who run the Myki system can't transfer funds - Reddit Even if they do, you can only transfer a balance between a Synchrony credit card and another issuers credit card. When a Myki card is lost or . 180 0 obj This resets the fare expiry and gives you more time to complete your journey. This could save you money if you're moving the balance to a card with a much lower interest rate. What is a Balance Transfer Credit Card? | Discover endobj Well block your myki and arrange a replacement myki. The version ofGoogle WalletTM used by wearables, such as watches, is a light version which doesn't support Mobile myki. Annual Fee: $0. No, you cannot transfer a balance from one Synchrony Bank credit card to another. But is it possible to go to a ticket booth and have the person there do it? Can someone explain why this isn't possible? That's a lot of free money for Myki, which customers are unlikely to ever claim. 0000005348 00000 n 182 0 obj Find out how much to top up at Fares. A balance transfer can give you the flexibility to: Pay off high-interest balances Select the card with the best balance transfer offer available to you. Most of my travels are in the free tram zone and Im sydney based, so its taking me forever to spend the initial credit that was on the card when purchased (I think it was $30). hbbf`b``30 ap How does credit and credit cards work for students? How to transfer or move myki money pass (Public - YouTube No. Got a replacement at Cheltenham station and balance including auto top-up from 2 minutes before was transferred to new card. While a typical balance transfer may process in up to seven days, some card providers say it might take up to 21 days. If you need a tax invoice call1800 800 007 and we'll email your tax invoice to your registered email address. 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 this occurs, you won't incur a duplicate fare. If you need to travel straight away and are unable to attend a PTV Hub, you will need to buy a new myki to travel while waiting for the replacement myki. His expertise includes mortgages, loans, credit cards, insurance and international money transfers. What kind of retarded system is this? The unused money does not sit in an account earning interest. Tell them that you want to escalate the matter and lodge a complaint and they'll likely just sort it out in a '21st century' manner. 0000002429 00000 n 216 0 obj Press question mark to learn the rest of the keyboard shortcuts. How balance transfers work I've got a new Myki in my Seniors package. and our Check your Mobile myki, you may be in negative balance or your myki Pass may have expired. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. To. Seniors Card Frequently Asked Questions (FAQs) The Pass was paused, then refunded, but I'd forgotten about the Myki Money balance, and I'd been using another card in the meantime. You will need to provide identification to show that you are the registered myki card holder. How to Transfer a Credit Card Balance to Another Credit Card How long do balance transfers take with Chase? It lets you set a minimum balance and your myki will automatically top up with the amount you choose. You can register your Mobile myki via Register your myki. Personal Credit Cards? We'll block it and can arrange a refund to your new Mobile myki. There is no principle. 0000005511 00000 n 0000005223 00000 n startxref Can I transfer my American Express balance to another card? - WalletHub You can request a new, free myki smartcard through your online account. It's the replacement of my old Yearly Pass card, originally bought for travel in 2020, but barely used. Mobile myki will now be reactivated on your phone, with your account details the same as before. Pick a card that waives the balance transfer fee. John Miller, Credit Cards Moderator. This is unfair, and I don't think this cost is refunded if you submit the form for a refund. The unused money remains on the card, losing value as fares increase over the years. Buy a new myki and top up with myki Money or a myki Pass and register your new myki. Myki Money QTEM devices can be found at PTV Hub (SouthernCross). 186 0 obj Step 5: Apply for the New Card. You can manage up to 8 mykis through one account. Can I use Mobile myki on my Android phone? Four reasons a credit-card balance transfer may be a bad idea It has trouble with form-filling on mobile devices, however. Paying off a balance transfer is a huge accomplishment and will positively impact your financial future. 0000001606 00000 n Check your old Myki cards / News / News / Railpage You can register up to eight active mykis on an individual account. For example, when your myki Money balance reaches $10, you could top up with $20. How to pause your Myki or get your money refunded while you're stuck at Choose a card from the list or search by location or card name. It appears as a "Approved Level 2" request on my myki account on the website. With banks allowing customers to transfer thousands of dollars online between their accounts, there's no excuse for this money-grubbing by the Myki corporation. If you need to travel while you wait for your old balance to be transferred to your new myki, top up with myki Money or a myki Pass. In order to touch on, there is only one condition that must be met: a myki money balance of $0.00 or more. New comments cannot be posted and votes cannot be cast. But what if the amount is comparable to or less than the postage? I plan to use my boyfriend's Lowe's card for 24 months 0% financing on a huge purchase. Standard message rates apply. Keep in mind that credit utilization is also affected by individual card balances. For example, if you get a balance transfer card with a credit limit of $10,000 and use it to make a $1,000 purchase, your available credit limit drops to $9,000. 0000005683 00000 n PDF myki FAQs - @RACV The costs of a balance transfer. Choose your top up value and minimum balance. Transferring a credit cards balance to a new card requires getting the new card provider to approve the transfer. All myki smartcards expire after four years. December 29, 2022 - 1:47PM. The reason why its not an online function is because it would not be a regular occurrence, in comparison to normal usage. there's no excuse for this money-grubbing by the Myki corporation. See the cost of your recent trips and balance You can also request up to two years of travel and transaction history by calling 1800 800 007. If youre getting a 0% APR balance transfer card, check the duration of the promotional period and the APR that applies once the promo period ends. If these are your only two cards, your credit utilization ratio is 33.33%. The short version. If you're still travelling after 2 hours, you'll be charged a daily fare. You need to submit a balance transfer application that is subject to approval. How to Transfer a Credit Card Balance to Another Card After having a look at my account he goes "oh no it's already been blocked, you'll have to print out the form and post it in". The time it takes for a credit card balance transfer to go through depends on the card issuer thats responsible for handling the transfer, either directly or by sending you a check. Save Big With Low-Rate Balance Transfers. This makes it cheaper to forfeit the money, which becomes an unearned source of revenue for Myki. A balance transfer might fail if the amount you wish to transfer exceeds your available credit limit, if you initiate the transfer after the time period mentioned in a balance transfer offer or if youre trying to transfer a balance from a card issued by the same card provider. You will need to provide identification to show that you are the registered myki card holder. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. 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. endstream If your balance falls below zero, you won't have a valid ticket for your trip, and you won't be able to touch on. Critics of 'hostile' Myki say Melbourne doesn't need a world-beating 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. If youve already bought a myki to travel, contact us to get a reimbursement of the myki fee. 3. For a bus anyway. I called, they told me it couldn't be done and that I would need to fill out a form. Your new starting balance would be $3,090. 0000003801 00000 n Your original go card will be cancelled immediately and cannot be used for further travel. I'd like to transfer all money from my other cards to my main card (the one with $6.54 on it). On Friday Martin. 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. 0000002627 00000 n <>stream Remember to top up with enough money to pay for your entire journey. <>/BS<>/F 4/Rect[91.995 203.87 285.75 216.51]/StructParent 2/Subtype/Link>> You haven't explained why you need to transfer balance. We recommend visiting the card issuers website for the most up-to-date information available. To replace your myki online, you must be requesting the same fare concession type as your original myki. How long does it take to process a balance transfer from another company? For more information, visit the V/Line website. If you're still travelling after 2 hours, you'll be charged a daily fare. I realise this is not a life-changer, but there's a principle at stake. Aspects that need your attention include: Make a selection based on whether you might benefit more from getting a card with a time-based 0% APR offer or one that comes with a low regular APR. Initiate the balance transfer. Contact us to request the transfer. Once your phone has rebooted, go to Mobile myki within Google Wallet. What is the glossary of common credit card terms? By phoning 1800 800 007. . You can register either when you buy your myki, or at a later date. Myki - grabbing unclaimed money - Public Transport - Whirlpool.net.au A subreddit for Melburnians and Melbourne enthusiasts! Save. Yes, #Myki cards expire after four years - Daniel Bowen If you use an international Mastercard/Visa card to purchase and top up your Mobile myki, you'll have to visit the PTV Hub at Southern Cross Station to request a refund. JavaScript must be enabled to use this site.We're sorry for any inconvenience. Also take note of any balance transfer fees, annual fees, APRs on purchases and added features. 0000002274 00000 n What a frikkin waste of money! We are committed to being fully transparent with our readers. How to transfer your credit card balance - Citi.com With my shitty luck I ended up losing this one at work (someone saw it on the ground but we assume the cleaners picked it up) so I called Myki, asked them if I could order a replacement. Enter the amount of debt you want . Hold the phone still when touching on and off. 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. 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. How to Add Authorized Users & Employee Cards on a Business Credit Card? Despite the system failures, creator NTT Data was in 2017 given another seven-year contract for . You can also check your myki money balance, myki Passdetails, card status, fare type, travel, and top-up history. My original myki became faulty and I replaced it at Flinder St station, but they forgot to transfer my balance across. If you're undertaking a factory reset, software update or uninstalling and reinstalling Google Wallet, you'll need to take the following steps first: Victoria State Government Department of Transport, Disruptions on the Cranbourne and Pakenham lines, Refunds, compensation and replacement tickets. Get up to 5% cashback in rotating and newly added everyday categories. Transfer a Balance From One Synchrony Bank Card To Another I'm in Adelaide. Then I begrudgingly bought a new Myki card. 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. Balance Transfers for Credit Cards - Tips and Advice | CIBC JavaScript must be enabled to use this site.We're sorry for any inconvenience. 184 0 obj You might also lower your overall monthly payments and turn multiple bills into one easy payment. <> If our equipment cant read your damaged or defective myki, it may take extra time to transfer the remaining balance to your new myki: Well still give you a new myki smartcard on the spot. Fast forward a month and my card had still not arrived (myki screwed up my address), so I escalated the matter and complained to a supervisor. If you have outstanding balances on multiple credit cards, you may want to consider consolidating this debt by getting a single balance transfer card. xen0. From a creditworthiness point of view, this number should be at 30% or lower. Rajiv Baniwal is a journalist who has been covering financial topics for over 15 years. the PVT website says: "What to do with your myki when you leave Melbourne. From the pop-up options, select 'Deactivate'. From the Transfer Funds To drop-down, select the credit card that will received the balance. How to replace your myki: - Vtsnfttest.com.au No. You may also need to restart your phone after updating the app. Once a card provider approves a balance transfer request, it may pay the credit card issuer mentioned in your application automatically or send you a check. No wonder the thing cost more than a billion dollars. nope, report it stolen online, they automatically transfer the balance to a new card and post it too you, takes about 3 days. A balance transfer lets you use a credit card to pay debt on another credit card. Transferring the balance to a card with a 27% APR and a 3% transfer fee means paying $810 in interest a year, plus a $90 balance-transfer fee. For physical myki smartcards we'll transfer your balance to a replacement myki at no cost. Auto top-up: If you have auto top up on your original myki, this service will not be transferred to your new replacement myki. My old one is registered and everything with my account but there seems to be no way to import that one in. -- Lee Huffman, credit card expert at BaldThoughts.com. Refund of Myki card balance - Melbourne Forum - Tripadvisor I have a card with $19.90 on it. How can I check the balance of my myki card? To transfer any funds from your existing myki to Mobile myki you'll need to deactivate the existing card. The next question is whether MYKI is free before 7 a.m. On a weekday, train travel completed . Done it twice now. 0000006952 00000 n Create an account to follow your favorite communities and start taking part in conversations. Whats the Difference between Business vs. If your phone battery dies, you'll need to charge your phone or purchase a physical myki card to travel on the network. I never bothered to do it. Replacements usually take up to 10 business days and include the remaining balance of the old card. But your balance can be transfer to another card at some of the PTV stations. 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. What are the best credit cards for bad credit with no deposit and instant use? About Myki cards & Mobile Phone SIM cards - Melbourne Forum From the Transfer Funds From drop-down, choose the credit card where the balance was coming from. Legit all the way, touched on and everything. Cincinnati Police Federal Credit Union Balance Transfers Top up your myki Only Mobile myki has the ability to charge you a fare via a myki device. myki Money - Public Transport Victoria Transfer your physical travel card to your iPhone On your iPhone, open the Wallet app. JavaScript must be enabled to use this site.We're sorry for any inconvenience. Public transportation passes transfer on Google Pay android phones. If you travel occasionally pay as you go with myki Money. Myki travel cards 80 million dollars in lost money Victoria news Wells Fargo Credit Card - Balance Transfer - Wells Fargo I know there's nothing you can do. 0000004139 00000 n Load myki Money onto your myki and it will calculate the lowest fare based on where you travel. To use, simply: top-up your card tap on at the start of your journey tap off at the end. 1. Myki Q+A: Straight answers to your questions | Public Transport Users I still don't understand why though - what is the technology required to do this? Lo and behold, they not only replaced my second replacement, but 'magically' were able to transfer the balances of both my original mykis to the new card. The money comes straight off the credit card you registered in Google Pay, and the new balance is written immediately onto the Mobile Myki "virtual card". Victoria's myki public transport card could be scrapped by end of 2023 This makes it cheaper to forfeit the money, which becomes an unearned source of revenue for Myki. Your Mobile myki will now appear in Google Wallet. If you have any questions about new credit cards, how to select the right card or how to improve your credit score, you can trust our experts to guide you in the right direction. Please note you cannot replace a lost or stolen myki at a premium station. To keep travelling with auto top up or Auto-load, youll need to set it up again. What credit cards don't require a deposit? Depending on your card provider, you may initiate the process online or over the phone. Transfer your balances to the card with the best offer or your new card. The call centre staff member told me "we're not a financial institution so it's not that simple". Check that NFC is enabled on your phone. Well they've had plenty of time to roll out a fix, but obviously are not interested and prefer to keep the money. Victoria's troubled myki public transport system is causing Melbourne to fall behind other global cities, hampered by decades-old technology and a poor customer . 0000001798 00000 n The cost would have been deducted from the balance at transfer. Then he said he could order a replacement one to be posted to me. You can replace your ticket if its expired, damaged or defective. Pay down this card's balance quickly to improve your credit. Do Seniors Myki Cards Expire - WHYIENJOY Myki (/ m a. The helpfulness of a financial advisor's answer is not indicative of future advisor performance. You would think they could have done it over the phone. Press J to jump to the feed. Visitors can give their myki card to charity by posting it in one of the donation boxes at Southern Cross Station's SkyBus terminal or Station Pier. 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. It seems pretty archaic having to fill out a form and send it in for a replacement Myki.
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