Keep in mind that credit utilization is also affected by individual card balances. If you travel occasionally pay as you go with myki Money. Learner permit or driver test. New comments cannot be posted and votes cannot be cast. Within the phone, go to Settings > Connected devices. You can also check your myki money balance, myki Passdetails, card status, fare type, travel, and top-up history. I also had left-over balance on my old Android "Myki Mobile" phone - which I should use up. Back story: I lost my Myki which had ~$26 left on it on Friday afternoon. How long do balance transfers take with Chase? While a typical balance transfer may process in up to seven days, some card providers say it might take up to 21 days. Card issuers often have balance transfer offers, sometimes with rates as low as 0%. endobj Refunds cannot be issued for less than $5. It appears as a "Approved Level 2" request on my myki account on the website. Save on interest charges by transferring your high-rate balances to your COPFCU Visa Credit Card. 183 0 obj The reason for that is because low interest rates for transfers are made to attract new customers. In the Passes section, you'll then be able to see your Mobile myki and activate it to your new phone. 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. I have had a myki card virtually since the start date. The . We can only see Mobile myki information if you register your Mobile myki viaRegister your myki. No. Easy, and only required every three years!! The PTV Hub can provide you with a replacement card with the remaining balance being transferred within 7 days. You'll need to know the account number for your existing balance and how much you want to transfer. https://www.ptv.vic.gov.au/tickets/refunds-and-replacements/. Your Mobile myki will now appear in Google Wallet. I recently upgraded my phone but apparently now when I go to Google Pay, I have to purchase a new card. 0000002823 00000 n
The system was developed by Kamco (Keane Australia . 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. Mobile myki is different to an existing myki card. I plan to use my boyfriend's Lowe's card for 24 months 0% financing on a huge purchase. What is the best balance transfer credit card? Even if they do, you can only transfer a balance between a Synchrony credit card and another issuers credit card. Know your existing credit card's interest rates, balances, and balance transfer limits. 0000005348 00000 n
Upon approval, your new card provider might pay your old card provider directly or send a check to you. For more information, visit the V/Line website. If you have a Mastercard or VISA card you can get and top up a Mobile myki. 0000005171 00000 n
You would break even only after a year. If you expect your journey to take more than 2 hours, exit the barriers when you change and touch off, then re-enter and touch on again before boarding your connecting service. A non-centralised database/processing unit. A balance transfer can give you the flexibility to: Pay off high-interest balances In Perth if you have registered your card and lose it you can ring and they will swap your account/money onto your new card. Maintain your L-plate log book. How Prepaid Cards Work & Why You might want one? Thankfully you can organise the replacement before the card has actually expired, if your card is "is approaching its expiry date" (though it doesn't specify precisely what "approaching" means). What are the best Ways to Start Travel Hacking? We're working to improve the messaging. I recently upgraded my phone but apparently now when I go to Google Pay, I have to purchase a new card. I've got a new Myki in my Seniors package. These are the eight most commonly purchased myki Passes. It's the replacement of my old Yearly Pass card, originally bought for travel in 2020, but barely used. Rajiv Baniwal is a journalist who has been covering financial topics for over 15 years. <> As a matter of fact, most Synchrony Bank credit cards do not allow balance transfers to begin with. You may also need to restart your phone after updating the app. Go through answers to other commonly asked questions about how to do a balance transfer so that youre well prepared if you decide to carry out the process. This is the case for all major credit card issuers. How long does it take to process a balance transfer from another company? (by Issuer). Can You Pay Your Taxes With a Credit Card? <>stream
Considering myki was designed by idiots and designed for idiots, it's a miracle that it actually functions at all. What is the glossary of common credit card terms? 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. Auto Load set up within Mobile myki can take up to 10 minutes to top up myki Money. The transfer of the funds from card 1 to card 2 only took a few days to show as a pending top up and it transferred to my new card when I next tapped on. Find out how much to top up at Fares. We recommend visiting the card issuers website for the most up-to-date information available. If you've lost your previous card or it ceases to work then there is a mechanism for transferring the balance. The primary benefit of a 0% balance transfer credit card is the 0% introductory APR offer. This makes it cheaper to forfeit the money, which becomes an unearned source of revenue for Myki. Your balance is protected from the time you tell us your myki is lost or stolen. Please note, balance transfer is not instantaneous. Enter the amount of debt you want . Also take note of any balance transfer fees, annual fees, APRs on purchases and added features. NSW has their equivalent, the Opal Card, and there is no charge for initial issue of the card. Is it bad to do multiple balance transfers? If you need to travel in the meantime, buy a new myki and top up with myki Money or a myki Pass. General concession available with Mobile myki can be used by any eligible concession card holder, but the only fare benefit will be the 50 per cent of full fare discount. If you buy a myki from a retailer, ticket office window or myki machine or buy a Mobile myki, it's unregistered. 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. This may also be an anti money laundering thing. From the Transfer Funds To drop-down, select the credit card that will received the balance. The only way is to download a form, fill it out, post it in, and wait weeks. Whats the Difference between Business vs. You could pay less interest by transferring balances from other higher-rate credit cards to a Wells Fargo Credit Card. Check your Mobile myki, you may be in negative balance or your myki Pass may have expired. Depending on the issuer of the card to which you wish to transfer a balance, you might be able to begin the process online or over the phone. Would be easier if they would transfer the balance onto an existing card, but hopefully that's coming. It's your responsibility to ensure your phone battery is charged so you can touch on and off during your journey and present a valid ticket if requested. 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. Replacements usually take up to 10 business days and include the remaining balance of the old card. Even if they do, you can only transfer a balance between a Synchrony credit card and another issuer's credit card. If you require a replacement Free Travel Pass, visit us at the PTV Hub at Southern Cross Station or call us on 1800 800 007, Refunds, compensation and replacement tickets, Victoria State Government Department of Transport, Disruptions on the Cranbourne and Pakenham lines, Making a change to your myki due to coronavirus (COVID-19). If you need a tax invoice call1800 800 007 and we'll email your tax invoice to your registered email address. Choose your top up value and minimum balance. If you receive a check, you need to send it to your old cards issuer on your own. I was told there was nothing I could do for this one as it wasn't registered. 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. 0000001798 00000 n
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. nope, report it stolen online, they automatically transfer the balance to a new card and post it too you, takes about 3 days. The most upsetting part about myki is the initial card cost, which is far more than it costs to manufacture. +1myki cards are no like bank account cards where you need to transfer funds on a regular basis. Choose a balance transfer card based on the length of the 0% APR offer, balance transfer fees, annual fees, regular APRs and added perks. More than a year ago, I needed to change my concession Myki to full fare (no longer a student). 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 It has a 256-day expiry and credit is rolled over if you renew before the expiry. 3. Only needed to log on and change auto top-up to new card. The process begins when you submit a balance transfer application. With a registered myki you can check your myki balance, top up, buy a myki, get notified when your myki is due to expire and more. 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). 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. 182 0 obj I understand Metro trains/Myki are seperate entities but it's still a pain in the bum. 0000001429 00000 n
Go to Settings > Connected devices > NFC. I'd like to transfer all money from my other cards to my main card (the one with $6.54 on it). 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. Also, the balance transfer could alter your credit utilization ratio, which can negatively affect your credit score. If these are your only two cards, your credit utilization ratio is 33.33%. This is regardless of whether there is a myki pass or existing fare on the myki. Check that NFC is enabled on your phone. Wait a few minutes then check the app to see your balance. 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? endobj But your balance can be transfer to another card at some of the PTV stations. You can only activate a Mobile myki on one device at a time. What credit cards don't require a deposit? Myki was first rolled out in 2010 and fully replaced the previous Metcard system 10 years ago this week. FAX?! I hadn't registered this new one yet but I had the receipt with the date/time/transaction number/myki terminal number. The card itself holds the balance, rather than a back office system telling the readers that the balance is available. You need to submit a balance transfer application that is subject to approval. You may also receive a letter confirming the balance transfer. 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. You need to deactivate your Mobile myki on one device before doing a factory reset or all data will be lost. No, you cannot transfer a balance from one Synchrony Bank credit card to another. The cost would have been deducted from the balance at transfer. Do I ever lose the money . Your card provider holds the right to approve or deny your request for a balance transfer. Any chance I can get my money back/ transfer it to a new mobile MyKi (both are registered and visible in my account)? WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. Although your overall credit utilization may be low, if the utilization on one card is high, that may negatively impact your credit score. 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. Now that you know how to transfer balances on credit cards, determine if going down this road might work well for you. For more information, visit the V/Line website. an_square_one 11 yr. ago 216 0 obj In my experience touching on is quicker than validating a metcard. 0000002274 00000 n
178 39 You need to apply for a balance transfer. 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. If you have Mobile myki you can set Auto Load via the Google Pay app. Mobile Myki can be set to Auto Load. The version ofGoogle WalletTM used by wearables, such as watches, is a light version which doesn't support Mobile myki. How Many Credit Cards Should a College Student Have? 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. However, the maximum amount you may transfer cannot exceed the available credit limit of your new card. A subreddit for Melburnians and Melbourne enthusiasts! There are four ways to replace an expired, damaged or defective myki: If your registered myki is lost or stolen, let us know as soon as possible. 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. Personal Credit Cards? What are the best cash back credit cards for fair credit? What Happens to a Student Credit Card After Graduation? 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. There is no principle. It lets you set a minimum balance and your myki will automatically top up with the amount you choose. Save Big With Low-Rate Balance Transfers. To use, simply: top-up your card tap on at the start of your journey tap off at the end. 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 . Just one more benefit you enjoy as a COPFCU member. The MoneyGeek editorial team ensures it stays up to date on the latest credit card offers as well as changes in fee structures. You may be using an older version of Google Wallet. 0000012144 00000 n
Why are the PTV and Victorian Minister for Transport allowing Myki to get away with this? I still don't understand why though - what is the technology required to do this? I never bothered to do it. You need to be connected to the internet to top up your Mobile myki. You might also lower your overall monthly payments and turn multiple bills into one easy payment. Only reserved V/Line paper tickets and Date-to-Date tickets can be replaced if lost or stolen. 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. You can register online, via the PTV app or call 1800 800 007 and registration is instant. 0000001606 00000 n
Your balance is protected from the time you tell us your myki is lost or stolen. My old one is registered and everything with my account but there seems to be no way to import that one in. Can You Get a Student Credit Card With No Income? This question is about Synchrony Bank Credit Cards. A billion fucking dollars. If you think you might benefit from getting a balance transfer card, look for one based on factors such as eligibility criteria, duration of intro APR offers, regular APRs, balance transfer fees and annual fees. endobj Now, on the form it says I need the card to be re-imbursed. <> Let's say you have $4,000 in credit card debt and transfer that balance to a . <>/BS<>/F 4/Rect[26.1 186.97 137.65 203.87]/StructParent 3/Subtype/Link>> 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. When I realised I had dropped it somewhere on the way to work I logged into Mymyki.com.au and blocked it. This is why I don't keep much money on transport cards. If your myki card is registered, call 1800 800 007 or visitptv.vic.gov.au. Pick a card that waives the balance transfer fee. Once you do, carrying out a balance transfer becomes rather straightforward. I realise this is not a life-changer, but there's a principle at stake. If you're using an international payment card you won't be able to top up via the PTV website. Buy your go card today Select your go card go card is available for adults, children, and eligible seniors and concession card holders. How to Show Credit Worthiness without Credit? Make sure you pick a card that accepts balance transfers and has advantageous rates. Once it's transferred to another device, it will no longer be available on the original device. When you pay to put credit onto your Myki card, someone else does get your money and put into your bank account. 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 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. To transfer any funds from your existing myki to Mobile myki you'll need to deactivate the existing card. December 29, 2022 - 1:47PM. You can register either when you buy your myki, or at a later date. If you're still travelling after 2 hours, you'll be charged a daily fare. You can request a new, free myki smartcard through your online account. If this occurs, you won't incur a duplicate fare. 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. Annual Fee: $0. For example: replacing a full fare myki with another full fare myki, or a student concession myki with another student concession myki, or a seniors concession myki with another seniors concession myki. 0000118590 00000 n
For a bus anyway. 186 0 obj For physical myki smartcards we'll transfer your balance to a replacement myki at no cost. 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. It also protects your myki balance if you lose your phone or it's stolen. 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. Do Not Sell or Share My Personal Information. If you're entitled to these additional benefits, you can access them by using your myki smartcard. Metro Trains: Ripped Off - See 175 traveler reviews, 73 candid photos, and great deals for Melbourne, Australia, at Tripadvisor. Done it twice now. 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. From the Transfer Funds From drop-down, choose the credit card where the balance was coming from. You can register your Mobile myki via Register your myki. I'm in Adelaide. Any money on your card will be protected. It was in my wallet the whole time lol. Damaged or defective myki smartcards can be replaced for free on the spot at a PTV Hub. All myki smartcards expire after four years. How are Banks Adapting to Meet New Needs Because of Coronavirus? Most balance transfers with Chase process within a week. 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. damage that exceeds normal wear and tear. Get up to 5% cashback in rotating and newly added everyday categories. Here's where to find it: After logging in to your account, go to "Card Details.". What are the best business credit cards for cash back?