John Miller, Credit Cards Moderator. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. The unused money does not sit in an account earning interest. What to Do If You Cant Get a Student Credit Card? Legit all the way, touched on and everything. I want to transfer the $19.90 to the card with $6.54 on it. If you register your myki, you can set Auto Top Upand manage your myki. 0000012144 00000 n In person at a PTV hub , or a premium metropolitan station or staffed V/Line station inside the myki boundary. 0000005348 00000 n The version ofGoogle WalletTM used by wearables, such as watches, is a light version which doesn't support Mobile myki. Youll need to complete a V/Line Passenger Refund Application Form. If you need to replace a lost or stolen registered myki, there are a number of ways that you can do this. Also, the balance transfer could alter your credit utilization ratio, which can negatively affect your credit score. Depending on your card provider, you may initiate the process online or over the phone. Transferring high-interest credit card debt to a card with a lower (or 0%) interest rate can save you time and money while you repay the debt. Your Mobile myki expires after two years. 0000006952 00000 n There is no principle. Nor does your card expire after 90 days of not getting used. I understand your frustration, especially when it's something that can be done quickly. 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. If your registered myki card is lost or stolen, you can have your myki card replaced at any PTV Hub with the balance transferred within 7 days. If you need a tax invoice call1800 800 007 and we'll email your tax invoice to your registered email address. Transferring a credit card's balance to a new card requires getting the new card provider to approve the transfer. 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. However, this is not the exact amount you may transfer from other cards because you also need to account for balance transfer fees. How does sending them a letter telling them to transfer the money make a difference then if they don't have my card? 0000004635 00000 n 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. <>/BS<>/F 4/Rect[123.42 258.71 218.47 271.36]/StructParent 1/Subtype/Link>> The helpfulness of a financial advisor's answer is not indicative of future advisor performance. 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! Please note, balance transfer is not instantaneous. For example, when your myki Money balance reaches $10, you could top up with $20. Transferring a credit card balance is relatively easy, but you need to follow a few steps. 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. +1myki cards are no like bank account cards where you need to transfer funds on a regular basis. . 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. It lets you set a minimum balance and your myki will automatically top up with the amount you choose. hbbf`b``30 ap A balance transfer can help you save money by moving high-interest debt on one credit card to a card with a lower interest rate or an introductory 0% APR offer.When you shift a balance to another . Via mail Complete the balance transfer and refund form to cancel your go card and transfer the balance to another valid card . As a security measure, we don't allow payments via Mobile myki using anything other than a VISA/Mastercard. Im sure Myki could add this capability to their website if they cared to. <>stream From a creditworthiness point of view, this number should be at 30% or lower. 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. Keep in mind that credit utilization is also affected by individual card balances. Myki is the best free password manager for users looking for secure storage, ease of use, quick authentication, and cross-platform syncing. Balance transfers usually go through in five to seven days, although they may take longer. Online at Public Transport Victoria website . You can also request up to two years of travel and transaction history by calling1800 800 007. Whats the Difference between Business vs. Do you have any links to the technical specs of the miki? endobj 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 . *Rates, fees or bonuses may vary or include specific stipulations. However, the maximum amount you may transfer cannot exceed the available credit limit of your new card. 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. Remember that the total amount you transfer needs to remain less than the available credit limit of your new card. If you're still travelling after 2 hours, you'll be charged a daily fare. If you're travelling on a concession fare, you must make sure you hold the correct concession entitlement. Buy your go card today Select your go card go card is available for adults, children, and eligible seniors and concession card holders. Then I begrudgingly bought a new Myki card. I had previously thought I would do the 84 months at 5.99% or whatever it is, but now I am thinking I should use the 24 month deal and then do a balance transfer to another card if I don't . A balance transfer lets you use a credit card to pay debt on another credit card. It's idiotic bureaucracy and laziness stopping them doing the transfer, not technical limitations. 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. This could save you money if you're moving the balance to a card with a much lower interest rate. Hold the phone still when touching on and off. For more information see Google Help and Support. Always the last place you look lol. Most credit cards charge a balance transfer fee, typically ranging from 2% to 5% of the balance transfer amount. 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". Myki card Myki card child pages. It has a 256-day expiry and credit is rolled over if you renew before the expiry. Auto-load is the same as auto top up. 0000002627 00000 n The phone is awake whenever the screen is turned on, even it's locked. What is the best low interest credit card? The primary benefit of a 0% balance transfer credit card is the 0% introductory APR offer. Myki (/ m a. I've had really good experiences with Myki and was an early adopter, but this? 1. The system was delivered more than $500m over budget and behind schedule. 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. the PVT website says: "What to do with your myki when you leave Melbourne. The unused money remains on the card, losing value as fares increase over the years. %PDF-1.5 % Then I begrudgingly bought a new Myki card. The costs of a balance transfer. <<71A2449DD11DB2110A0003F7900591FF>]/Prev 491244/XRefStm 1429>> You can only have your Mobile myki active on one device at a time. Once your phone has rebooted, go to Mobile myki within Google Wallet. Initiate the balance transfer. On occasion, there is a small (< $10) balance leftover, which expires after a couple of years. Why Military Personnel Are Vulnerable to Identity Theft? Apply for a traffic accident report; What are Your Rights as a Credit Card Holder? Replacements usually take up to 10 business days and include the remaining balance of the old 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". Back story: I lost my Myki which had ~$26 left on it on Friday afternoon. FAX?! You can transfer the balance from one credit card to another by following these steps: Select the Plus icon (+) on the Toolbar. Manage another person's myki Unless there is anything special in what you need, I would think that most people only need one or two myki cards. I was told that when I made a new card I would be able to transfer the money across. 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. <>/BS<>/F 4/Rect[309.25 192.52 346.16 205.16]/StructParent 5/Subtype/Link>> Can someone explain why this isn't possible? We're looking to expand the number of card types available, so more passengers can use Mobile myki. I know there's nothing you can do. 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. You can manage up to 8 mykis through one account. 0000003801 00000 n I have had a myki card virtually since the start date. How long do balance transfers take with Chase? If you can just transfer money between mykey cards, well then what would the tracability of those funds be? You will need to provide identification to show that you are the registered myki card holder. 0000001076 00000 n 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. Got a replacement at Cheltenham station and balance including auto top-up from 2 minutes before was transferred to new card. You'll need your 15-digit myki number to register. All myki smartcards expire after four years. Enter the amount of debt you want . Would be easier if they would transfer the balance onto an existing card, but hopefully that's coming. 0000003774 00000 n What kind of retarded system is this? Your Victorian Student Pass or PTV School Student ID can be replaced on the spot at the location it was issued. Mobile myki is different to an existing myki card. About a week back, I went from Frankston to St. Albans, changing at Flinders. 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. Only Mobile myki has the ability to charge you a fare via a myki device. Start the process by listing out your current credit cards, writing down each . 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. Once it's transferred to another device, it will no longer be available on the original device. MoneyGeek experts analyze the spending trends of Americans by relying on data provided by the Bureau of Labor Statistics (BLS). <>/Filter/FlateDecode/Index[32 146]/Length 27/Size 178/Type/XRef/W[1 1 1]>>stream Standard message rates apply. 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". Hoping to transfer the same balance repeatedly over time by using different balance transfer cards with 0% APR offers is fraught with risks. I realise this is not a life-changer, but there's a principle at stake. EDIT; The card that I want to transfer FROM was lost and it was de-activated. 0000005223 00000 n My original myki became faulty and I replaced it at Flinder St station, but they forgot to transfer my balance across. I hadn't registered this new one yet but I had the receipt with the date/time/transaction number/myki terminal number. endstream Whats the difference between a hard credit inquiry and a soft credit inquiry? 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. 2. Also take note of any balance transfer fees, annual fees, APRs on purchases and added features. Only needed to log on and change auto top-up to new card. 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. Imagine what they could have done to improve the public transport system with the $1.5 billion they pissed up on this debacle! 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'd like to buy a myki Pass for a different day duration, you can do so via the PTV website. 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. 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. nope, report it stolen online, they automatically transfer the balance to a new card and post it too you, takes about 3 days. 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. What is the best credit card for excellent credit? 188 0 obj You will need to provide identification to show that you are the registered myki card holder. A quick tutorial to transfer your myki balance between google pays on different android phones. 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. 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). For more information, please see our Meticulous in his research, he provides accurate and up-to-date information. You can manage your Adelaide metroCARD online by setting up an account. Remember to top up with enough money to pay for your entire journey. You may also need to restart your phone after updating the app. You start by buying a $5 SIM and then add PAYG credit that can be purchased in $15, $25, or $35 amounts. Load myki Money onto your myki and it will calculate the lowest fare based on where you travel. (by Issuer). an_square_one 11 yr. ago I'd like to transfer all money from my other cards to my main card (the one with $6.54 on it). 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. I also had left-over balance on my old Android "Myki Mobile" phone - which I should use up. Was told a main railway station can move the balance. A billion fucking dollars. At this stage, these are the only card types available on Mobile myki. 181 0 obj Choose a balance transfer card based on the length of the 0% APR offer, balance transfer fees, annual fees, regular APRs and added perks. 0000014445 00000 n Transferring debt from multiple credit cards to a single card (debt consolidation) is also possible. 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. Can you transfer MyKi balance from one card to another? Choose your top up value and minimum 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? 185 0 obj If you're using an international payment card you won't be able to top up via the PTV website. Why are the PTV and Victorian Minister for Transport allowing Myki to get away with this? 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. From the Transfer Funds To drop-down, select the credit card that will received the balance. A balance transfer can give you the flexibility to: Pay off high-interest balances You would think they could have done it over the phone. In the Passes section, you'll then be able to see your Mobile myki and activate it to your new phone. However, if you keep all three accounts active, your overall credit utilization ratio drops to 20%. <> You can register your Mobile myki via Register your myki. What are the best credit cards for bad credit with no deposit and instant use? Some trips take longer than two hours because of a transfer between services. I plan to use my boyfriend's Lowe's card for 24 months 0% financing on a huge purchase. If you receive a check, you need to send it to your old cards issuer on your own. 0000004362 00000 n This answer was first published on 03/01/23. endobj Refunds cannot be issued for less than $5. More than a year ago, I needed to change my concession Myki to full fare (no longer a student).
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