Whats the Difference between Business Line of Credit vs. Business Credit Card? This is a requirement of Google. Balance transfers usually go through in five to seven days, although they may take longer. For each transfer: 3% intro fee ($5 min) in first 60 days, after that 5% ($5 min) 670. 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. 186 0 obj What is the best credit card for bad credit? You can manage up to 8 mykis through one account. <>/MediaBox[0 0 594.96 842.04]/Parent 29 0 R/Resources<>/Font<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI]/XObject<>>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> 0000005119 00000 n 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. On occasion, there is a small (< $10) balance leftover, which expires after a couple of years. If youre already an existing customer, then there is no incentive for Synchrony to allow you to transfer a balance between two accounts of their own. My old one is registered and everything with my account but there seems to be no way to import that one in. This makes it cheaper to forfeit the money, which becomes an unearned source of revenue for Myki. It has trouble with form-filling on mobile devices, however. Choose a card from the list or search by location or card name. 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. Buy a Myki card; Top-up a Myki; Traffic accident reports Traffic accident reports child pages. 179 0 obj Edited for typos. Whats the Difference between Business vs. Corporate Credit Cards? WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our. Enter the amount of debt you want . 0000004362 00000 n If your phone battery dies, you'll need to charge your phone or purchase a physical myki card to travel on the network. You can only activate a Mobile myki on one device at a time. Now, on the form it says I need the card to be re-imbursed. Can You Pay Your Taxes With a Credit Card? I get the idea that this was supposed to be a pun on the word "principal", meaning the amount of money, borrowed or lent, on which interest is calculated. Do I ever lose the money . The short version. 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. Now that you know how to transfer balances on credit cards, determine if going down this road might work well for you. You would think they could have done it over the phone. Tap Continue. Watch the video for steps on how to register online or read more on how to register your myki in the PTV app. 0000008137 00000 n Auto-load is the same as auto top up. 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. One may also ask,do pensioners get free train travel in . Transfer registration. Select the 'Activate' option. endobj Yes. 0000117992 00000 n This 0% interest period can help you carry your debt for a limited time without paying interest. @john_miller 03/01/23 This answer was first published on 03/01/23. The card itself holds the balance, rather than a back office system telling the readers that the balance is available. endobj 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. The costs of a balance transfer. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. Annual Fee: $0. I want to transfer the $19.90 to the card with $6.54 on it. If your card provider sends transaction-related notifications via email or text messages, you may expect to receive one when your balance transfer is approved. <> Step 4: Analyze Your Top Picks. But to use it on another phone than on your existing phone, go into Mobile myki, select the menu in the top right corner (three vertical dots) and choose 'Move to another device'. <>stream i lost a card recently and bought a replacement, its stupid in this day and age (3 years on from this post mind you) you need to fill out a form and post it in snail mail to transfer balance from one to another. 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. This answer was first published on 03/01/23. But what if the amount is comparable to or less than the postage? Press question mark to learn the rest of the keyboard shortcuts. 0000118233 00000 n The balance transferred when the old card expired. The cost would have been deducted from the balance at transfer. Your balance is protected from the time you tell us your myki is lost or stolen. Meticulous in his research, he provides accurate and up-to-date information. The reason for that is because low interest rates for transfers are made to attract new customers. Unlike MyK, opal cards are free so no issue with just getting a new one with $10 credit when you find yourself without your card. From the Transfer Funds From drop-down, choose the credit card where the balance was coming from. 182 0 obj You can register either when you buy your myki, or at a later date. Go to Settings > Connected devices > NFC. My old one is registered and everything with my account but there seems to be no way to import that one in. 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. If it doesn't appear, your phone does not have an NFC chip. Can you transfer MyKi balance from one card to another? 180 0 obj I never bothered to do it. Victorian public transport users will be able to put away their Myki cards and tap on using their smartphones with a new mobile ticketing system being introduced this week. 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. 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. Your myki smartcard expires after four years. 0000118590 00000 n Is it bad to do multiple balance transfers? I haven't worked at myki for a year so my info might be wrong but i think that form your sending in is a refund form. They earn interest on it. What if my card is lost or stolen? Which I obviously don't have because it is lost. 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 For example, set your myki Money to top up with $50 when your balance reaches $10. How balance transfers work Your first touch on creates a 2 hour fare. You can register up to eight active mykis on an individual account. Remember to top up with enough money to pay for your entire journey. It's shit like this which makes me happy and proud I have never used Myki in my life. Why do you need to keep swapping cards? I called them up, explained the situation, verified my ID by address and DOB, gave them the myki card numbers of all 3 cards and successfully transferred the balance to my new card without any hassle at all. It lets you set a minimum balance and your myki will automatically top up with the amount you choose. How does sending them a letter telling them to transfer the money make a difference then if they don't have my card? JavaScript must be enabled to use this site.We're sorry for any inconvenience. We have this new thing called EMAIL. What credit cards don't require a deposit? 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 can transfer your registered go card balance (including the refundable deposit) to another valid go card by calling 13 12 30. I also had left-over balance on my old Android "Myki Mobile" phone - which I should use up. You need to deactivate your Mobile myki on one device before doing a factory reset or all data will be lost. Then I begrudgingly bought a new Myki card. What are the best Ways to Start Travel Hacking? They could have at least have forms on their website to print and send. Music:. From the pop-up options, select 'Deactivate'. Transferring a credit card's balance to a new card requires getting the new card provider to approve the transfer. Check your Mobile myki, you may be in negative balance or your myki Pass may have expired. https://i.ibb.co/2NK61G8/aviary-image-1552378190281.jpg. Choose the zones you want to travel in and the number of consecutive travel days you need. Save. If you've lost your previous card or it ceases to work then there is a mechanism for transferring the balance. That's a lot of free money for Myki, which customers are unlikely to ever claim. How to Show Credit Worthiness without Credit? 8:35pm Feb 8, 2020. Log into your Barclaycard online servicing account or use the Barclaycard app to see if you have an offer available. endobj Save Big With Low-Rate Balance Transfers. 0 Does a balance transfer happen automatically? This makes it cheaper to forfeit the money, which becomes an unearned source of revenue for Myki. By phoning 1800 800 007. I was told that when I made a new card I would be able to transfer the money across. More than a year ago, I needed to change my concession Myki to full fare (no longer a student). John Miller, Credit Cards Moderator. If you get a 0% balance transfer offer on a new credit card, with a one-year promotional period, then you can move your $5,000 . You need to apply for a balance transfer. <>/BS<>/F 4/Rect[26.1 186.97 137.65 203.87]/StructParent 3/Subtype/Link>> Try hovering the phone just above or near the reader, rather than touching the phone on the reader. endobj 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. In the Passes section, you'll then be able to see your Mobile myki and activate it to your new phone. Your current balance will be transferred to the new myki, which you can use immediately. We're working to provide all concession fare benefits to Mobile myki that will have the relevant additional fare benefits associated with them. Your myki money or pass can then be transferred to a new smartcard. Pay down your credit card debt. For example, one person can manage mykis for family or friends. Wtf? The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. This is regardless of whether there is a myki pass or existing fare on the myki. It has a 256-day expiry and credit is rolled over if you renew before the expiry. To do so, you have to block your existing Myki card (annoying, we know). Can I use Mobile myki on my Android phone? endstream Also, the balance transfer could alter your credit utilization ratio, which can negatively affect your credit score. I called them and they said I needed to fill out the form, can't they verify my identity over the phone and then do it on the spot? Your card provider holds the right to approve or deny your request for a balance transfer. Within the phone, go to Settings > System > About phone. I know it's not possible to do it online. After all, I was going to pay more money as opposed to the concession rate. The process begins when you submit a balance transfer application. there's no excuse for this money-grubbing by the Myki corporation.Sure there is transferring money between cards is not the primary function. What is the best low interest credit card? 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. <> FAX?! If you top-up your Myki via online or phone (NOT over-the-counter or at a vending machine) but then you don't use the card within 90 days, then you may have some issues. If you'd like to buy a myki Pass for a different day duration, you can do so via the PTV website. You can use the ticket number to register your myki or if you require a refund. TL;DR lost 2 Mykis, had to buy another one and post in a form then wait up to 2 weeks for a replacement Myki. 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". Personal Credit Cards? If you apply for a replacement online or over the phone, well send you a new myki with the transferred balance within 10 business days. A billion fucking dollars. Now you cannot access it on your original device. Or maybe would it be possible to get them to send me a new card with all the balances I have on every card be transferred to that new card? You will need to provide identification to show that you are the registered myki card holder. 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. All myki smartcards expire after four years. <<71A2449DD11DB2110A0003F7900591FF>]/Prev 491244/XRefStm 1429>> Renew driver licence. Learning how to transfer a credit card balance to another card requires understanding the intricacies of the process. When I realised I had dropped it somewhere on the way to work I logged into Mymyki.com.au and blocked it. The easiest option is to call PTV on 1800 800 007. How do I know if my balance transfer was approved? 0000001076 00000 n No. 0000013222 00000 n Tap the Add button . 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. Contact us to request the transfer. We recommend visiting the card issuers website for the most up-to-date information available. What are the best business credit cards for cash back? Via mail Complete the balance transfer and refund form to cancel your go card and transfer the balance to another valid card . Do You Have to Be a Student to Get a Student Credit Card? No. We cant replace a lost or stolen unregistered myki. Considering myki was designed by idiots and designed for idiots, it's a miracle that it actually functions at all. Any other travel benefit such as free weekend travel isn't available at this time. You might also lower your overall monthly payments and turn multiple bills into one easy payment. The MoneyGeek editorial team ensures it stays up to date on the latest credit card offers as well as changes in fee structures. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. You will need to provide identification to show that you are the registered myki card holder. Balance transfer fees may apply. You haven't explained why you need to transfer balance. How are Banks Adapting to Meet New Needs Because of Coronavirus? On your new phone, download Google Wallet and set it up with your same account details. WalletHub is not a financial advisor, law firm, lawyer referral service, or a substitute for a financial advisor, attorney, or law firm. -- Lee Huffman, credit card expert at BaldThoughts.com. This is why I don't keep much money on transport cards. I remember someone asking Myki about this a couple of years ago, to be told that they "are aware of it and are working on it". By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. How long does it take to process a balance transfer from another company? From a creditworthiness point of view, this number should be at 30% or lower. You can manage your Adelaide metroCARD online by setting up an account. 0000005348 00000 n (by Issuer). I hadn't registered this new one yet but I had the receipt with the date/time/transaction number/myki terminal number. Well they've had plenty of time to roll out a fix, but obviously are not interested and prefer to keep the money. Got the train home to South Yarra, went to the service desk with my completed replacement form and then was told "we actually don't send these in you have to go and post it yourself". 0000003774 00000 n Myki was first rolled out in 2010 and fully replaced the previous Metcard system 10 years ago this week. When myki was first rolled out in 2010, it was more than $500m over budget and behind schedule. 216 0 obj So I had a mobile MyKi with around $6.xx balance on it. <>/BS<>/F 4/Rect[91.995 203.87 285.75 216.51]/StructParent 2/Subtype/Link>> What is the glossary of common credit card terms? 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. It appears as a "Approved Level 2" request on my myki account on the website. They're talking bullshit. xref Myki credit, once on your card, does not expire after 90 days of not getting used. If you're entitled to these additional benefits, you can access them by using your myki smartcard. You can see up to six months of travel and transaction history via a website account and around 30 days of travel and transaction history via the PTV app. If your myki has expired, or is due to expire within 60 days, you're entitled to an on-the-spot replacement. I realise this is not a life-changer, but there's a principle at stake. 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. View all transactions related to your myki for the previous 6 months, select your myki then select Activity. My child lives in the region, so I was able to order a new card, have the balance transferred from expired car to the new card, and the new card has been delivered via . I was pretty shitty at this point so I called up again, was told that I could fill out the form and give it to the station customer service desk and they could sent it in (saves me a trip to the post office to get an envelope). 0000004886 00000 n %PDF-1.5 % Tap Travel Card. If your Mobile myki has been checked by a V/Line conductor or Authorised Officer, this will show as the phone has not recorded a transaction. 1. I don't think we'll find out why the OP wanted to transfer balances as they haven't logged into Whirlpool for a year and a half. It takes longer to get through the platform barriers than it did under Metcard, you are charged for the physical card separately to the fare for travel, the much-touted advantage of "touch on and touch off for the lowest fare" adds no value for the hundreds of thousands of regular commuters who use monthlies or yearlies, the scanners can tell when you touch on with multiple cards but not that one of those cards is a Myki and the rest are not, you can't tell with a glance at your card when it expires, the top-up machines take for-fucking-ever to process a transaction, and amongst other things if you want to transfer funds from one Myki to another, you have to print out a form and send it via mail to them! Victoria State Government Department of Transport, Disruptions on the Cranbourne and Pakenham lines, Refunds, compensation and replacement tickets, Instantly top up via the PTV app by scanning your myki card. Your new issuer may approve the full amount or only part of your balance transfer, depending on your credit limit and the issuer's transfer limits. Then he said he could order a replacement one to be posted to me. Card issuers often have balance transfer offers, sometimes with rates as low as 0%. This resets the fare expiry and gives you more time to complete your journey. It takes longer to get through the platform barriers than it did under Metcard, They are very old barriers retrofitted to work with myki, Because it was made by some pollys mate who probably still uses cheques to pay for shit. Simply allow 24 hours for travel and transactions to appear. Mobile myki can only be transferred to another device if the myki card is deactivated and moved to the new device. I recently upgraded my phone but apparently now when I go to Google Pay, I have to purchase a new card. 3. Transferring a credit cards balance to a new card requires getting the new card provider to approve the transfer. You may also receive a letter confirming the balance transfer. A balance transfer does not happen automatically. 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. Paying off a balance transfer is a huge accomplishment and will positively impact your financial future. 3. New comments cannot be posted and votes cannot be cast. You can then see what Android version youre on. If you register your myki, you can set Auto Top Upand manage your myki. Here are some tips to save on fees and interest on a balance transfer. I was told there was nothing I could do for this one as it wasn't registered. Pick a card that waives the balance transfer fee. 0000003801 00000 n The balance transfer program features: Low balance transfer rate at your standard purchase APR* Low fee of just 3% (minimum of $5) If you need to replace a lost or stolen registered myki, there are a number of ways that you can do this. What are the best student credit cards for cash back? Auto top up and Auto-load cant be transferred to your new myki. I understand your frustration, especially when it's something that can be done quickly. Although your overall credit utilization may be low, if the utilization on one card is high, that may negatively impact your credit score. Im sure Myki could add this capability to their website if they cared to. Thats fucking stupid, that means each touch on has to have a processing unit to determine distance traveled and amount charged. 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. 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. Replacements usually take up to 10 business days and include the remaining balance of the old card. However, it may take up to 21 days in some cases. If you apply for a replacement online or over the phone, we'll send you a new myki with the transferred balance within 10 business days. 0000001606 00000 n For more information see Google Help and Support. To transfer Myki you need to deactivate the myki card and move to the new device. Whats the Difference between Business vs. Tell us how much you're transferring and which card you're transferring from - make sure you have your card details to hand. 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. 0000011139 00000 n Your Victorian Student Pass or PTV School Student ID can be replaced on the spot at the location it was issued. For the amount of money that has been put into developing the system I'd think something as basic as that should be possible. How does credit and credit cards work for students? https://www.ptv.vic.gov.au/tickets/refunds-and-replacements/. Done it twice now. Most balance transfers with Chase process within a week. Is it a Myki issue? A subreddit for Melburnians and Melbourne enthusiasts!
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