To. No, you cannot transfer a balance from one Synchrony Bank credit card to another. 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. The unused money remains on the card, losing value as fares increase over the years. To transfer any funds from your existing myki to Mobile myki you'll need to deactivate the existing card. You can replace your ticket if its expired, damaged or defective. Enter your cell phone number and well send you a link to install the WalletHub app. Buy your go card today Select your go card go card is available for adults, children, and eligible seniors and concession card holders. Meticulous in his research, he provides accurate and up-to-date information. Aldimobile uses the Telstra network and SIMs and credit can be purchased at any Aldi supermarket. This lets you contact us to request a refund of any balance on the Mobile myki. Standard message rates apply. Do Not Sell or Share My Personal Information. How many level crossings could have been grade-separated with that money? Contact us to request the transfer. 178 0 obj 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. How long does it take to process a balance transfer from another company? 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. We're working to improve our systems so we can allow other payment card types in the future. Irrespective of the card provider handling your transfer, you may expect to find out the estimated turnaround time in advance. It lets you set a minimum balance and your myki will automatically top up with the amount you choose. 0000013222 00000 n 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 Sorry, the Seniors Card program cannot replace lost myki cards. Your new starting balance would be $3,090. Transfer your balances to the card with the best offer or your new card. Select the card with the best balance transfer offer available to you. Opinions expressed here are the authors and/or WalletHub editors'. k i / MY-kee), stylised as myki, is a reloadable credit card-sized contactless smart card ticketing system used for electronic payment of fares on most public transport services in Melbourne and regional Victoria, Australia. Then I begrudgingly bought a new Myki card. You need to be connected to the internet to top up your Mobile myki. It also protects your myki balance if you lose your phone or it's stolen. Buy a new myki and top up with myki Money or a myki Pass and register your new myki. Can someone explain why this isn't possible? 180 0 obj 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. You can use the ticket number to register your myki or if you require a refund. 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. New comments cannot be posted and votes cannot be cast. You might also lower your overall monthly payments and turn multiple bills into one easy payment. 0000005119 00000 n If you wish to transfer balances from multiple cards, select the ones with the highest APRs first. 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. If you've lost your previous card or it ceases to work then there is a mechanism for transferring the balance. The balance of any myki pass or myki money will be transferred to your new card five (5) days after your current myki card has expired. There are three ways to replace lost or stolen myki cards: 1. They could have at least have forms on their website to print and send. This could save you money if you're moving the balance to a card with a much lower interest rate. You could pay less interest by transferring balances from other higher-rate credit cards to a Wells Fargo Credit Card. Create an account to follow your favorite communities and start taking part in conversations. For more information, please see our How to Show Credit Worthiness without Credit? However, it may take up to 21 days in some cases. Wtf? Which I obviously don't have because it is lost. 185 0 obj Please note, balance transfer is not instantaneous. From the Transfer Funds To drop-down, select the credit card that will received the balance. What are Your Rights as a Credit Card Holder? How Many Credit Cards Should a College Student Have? Best Personal Loans for Debt Consolidation, Best Personal Loans with Low-Interest Rates, Best Personal Loans with Low-Income Limits, Student Loan Forgiveness and Cancellation, How to Do a Balance Transfer on a Credit Card, BEST CREDIT UNION CREDIT CARDS FOR BALANCE TRANSFERS, between 2 and 21 days to process balance transfers, How Long Does a Credit Card Balance Transfer Take? Is it bad to do multiple balance transfers? Reddit and its partners use cookies and similar technologies to provide you with a better experience. Auto-load is the same as auto top up. In person at a PTV hub , or a premium metropolitan station or staffed V/Line station inside the myki boundary. If you need to travel in the meantime, buy a new myki and top up with myki Money or a myki Pass. 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. 0000118744 00000 n xen0. You can transfer the balance from one credit card to another by following these steps: Select the Plus icon (+) on the Toolbar. It's idiotic bureaucracy and laziness stopping them doing the transfer, not technical limitations. Let's say you have $4,000 in credit card debt and transfer that balance to a . Information on WalletHub Answers is provided as is and should not be considered financial, legal or investment advice. 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. The process begins when you submit a balance transfer application. Load myki Money onto your myki and it will calculate the lowest fare based on where you travel. 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. 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. 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. Within the phone, go to Settings > System > About phone. I hadn't registered this new one yet but I had the receipt with the date/time/transaction number/myki terminal number. Can you transfer MyKi balance from one card to another? The Address 0x12a0e25e62c1dbd32e505446062b26aecb65f028 page allows users to view transactions, balances, token holdings and transfers of ERC-20, ERC-721 and ERC-1155 . If these are your only two cards, your credit utilization ratio is 33.33%. But what if the amount is comparable to or less than the postage? 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. Why is it impossible to transfer money online between different Myki cards? This makes it cheaper to forfeit the money, which becomes an unearned source of revenue for Myki. The next question is whether MYKI is free before 7 a.m. On a weekday, train travel completed . As a security measure, we don't allow payments via Mobile myki using anything other than a VISA/Mastercard. Imagine what they could have done to improve the public transport system with the $1.5 billion they pissed up on this debacle! You may also need to restart your phone after updating the app. Watch the video for steps on how to register online or read more on how to register your myki in the PTV app. Some trips take longer than two hours because of a transfer between services. The costs of a balance transfer. How does credit and credit cards work for students? Apply for a traffic accident report; 0000118233 00000 n The short version. I've got a new Myki in my Seniors package. https://www.ptv.vic.gov.au/t ickets/refunds-and-replacements/#loststolen Balance transfers usually go through in five to seven days, although they may take longer. 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. Is it a Myki issue? Replacements usually take up to 10 business days and include the remaining balance of the old card. 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. Your myki smartcard expires after four years. Children, seniors and concession go card holders travel at 50% of the normal adult fares. This will let you manage your myki as you would a physical 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 . The primary benefit of a 0% balance transfer credit card is the 0% introductory APR offer. The cost would have been deducted from the balance at transfer. 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. How does sending them a letter telling them to transfer the money make a difference then if they don't have my card? 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. From the Transfer Funds From drop-down, choose the credit card where the balance was coming from. My old one is registered and everything with my account but there seems to be no way to import that one in. 3. 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. Myki card Myki card child pages. Start the process by listing out your current credit cards, writing down each . 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". 3. I only realised this when my replacement card was lost and I called up for a new one. Choose a card from the list or search by location or card name. To transfer any funds from your existing myki to Mobile myki you'll need to deactivate the existing card. Would be easier if they would transfer the balance onto an existing card, but hopefully that's coming. 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. The same as a physical myki card, you can have myki Money and a myki Pass on your Mobile myki. <>/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>> For example, set your myki Money to top up with $50 when your balance reaches $10. Step 3: Review Card Offer Terms. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. I was told there was nothing I could do for this one as it wasn't registered. 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. Check that NFC is enabled on your phone. 215 0 obj 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% . For each transfer: 3% intro fee ($5 min) in first 60 days, after that 5% ($5 min) 670. To do so, you have to block your existing Myki card (annoying, we know). Transferring debt from multiple credit cards to a single card (debt consolidation) is also possible. Pick a card that waives the balance transfer fee. 0000004886 00000 n Mobile Myki can be set to Auto Load. Transfer your physical travel card to your iPhone On your iPhone, open the Wallet app. So I had a mobile MyKi with around $6.xx balance on it. endobj Auto Load set up within Mobile myki can take up to 10 minutes to top up myki Money. What are the best student credit cards for cash back? and our 0000003014 00000 n When you pay to put credit onto your Myki card, someone else does get your money and put into your bank account. How are Banks Adapting to Meet New Needs Because of Coronavirus? But yeah, a fair bit that is just backwards. Whats the Difference between Business Line of Credit vs. Business Credit Card? Card issuers often have balance transfer offers, sometimes with rates as low as 0%. Your original go card will be cancelled immediately and cannot be used for further travel. 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. You can request a new, free myki smartcard through your online account. This 0% interest period can help you carry your debt for a limited time without paying interest. Alternatively, you can complete our online Replace your myki form and a myki will be mailed to you. This makes it cheaper to forfeit the money, which becomes an unearned source of revenue for Myki. I have had a myki card virtually since the start date. To check if you're eligible to travel on a concession myki, see Concessions and free travel. Auto top-up: If you have auto top up on your original myki, this service will not be transferred to your new replacement myki. 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). Transferring a credit card balance is relatively easy, but you need to follow a few steps. Upon approval, your new card provider might pay your old card provider directly or send a check to you. 0000002627 00000 n Can You Pay Your Taxes With a Credit Card? Why do you need to keep swapping cards? 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 . Most issuers of balance transfer cards let you initiate the balance transfer process online. <>/BS<>/F 4/Rect[309.25 205.16 568.9 217.81]/StructParent 4/Subtype/Link>> How do I know if my balance transfer was approved? Click on "Select Offer.". We're working to improve the messaging. I found that other card with $19.90 on it. V/Line paper tickets can become invalid because of: Replace your ticket at any staffed V/Line station. To replace your myki online, you must be requesting the same fare concession type as your original myki. Editorial and user-generated content is not provided, reviewed or endorsed by any company. 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%. When I realised I had dropped it somewhere on the way to work I logged into Mymyki.com.au and blocked it. What is the best credit card for excellent credit? 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. 187 0 obj 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. This is a requirement of Google. They're talking bullshit. Annual Fee: $0. 179 0 obj 0000005348 00000 n endobj Tap Continue. What are the best credit cards for bad credit with no deposit and instant use? They also monitor over 1,600 consumer credit cards to simplify how our readers look for suitable alternatives according to their specific requirements. 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. *Rates, fees or bonuses may vary or include specific stipulations. Whats the Difference between Business vs. Corporate Credit Cards? Your Mobile myki will now appear in Google Wallet. Please note you cannot replace a lost or stolen myki at a premium station. You can register online, via the PTV app or call 1800 800 007 and registration is instant. <>/Metadata 30 0 R/Pages 29 0 R/StructTreeRoot 32 0 R/Type/Catalog/ViewerPreferences 180 0 R>> Save Big With Low-Rate Balance Transfers. Transferring a credit cards balance to a new card requires getting the new card provider to approve the transfer. What are the best business credit cards for cash back? At this stage, these are the only card types available on Mobile myki. If you have outstanding balances on multiple credit cards, you may want to consider consolidating this debt by getting a single balance transfer 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. Check your phone to make sure you're connected to WiFi or mobile data. I'm in Adelaide. Auto-load is the same as auto top up. I have a card with $19.90 on it. Haven't tried as yet. Get up to 5% cashback in rotating and newly added everyday categories. Only time I had to was when my original myki was expiring. If you buy a myki from a retailer, ticket office window or myki machine or buy a Mobile myki, it's unregistered. Can someone please explain why, when you lose a Myki card which is registered, they can't simply transfer the balance from the old card to the new card over the phone, or else have the ability for users to do so online? Your current balance will be transferred to the new myki, which you can use immediately. endobj We'll block it and can arrange a refund to your new Mobile myki. -- Lee Huffman, credit card expert at BaldThoughts.com. 0000012144 00000 n 0000001076 00000 n The process begins when you submit a balance transfer application. You'll need your 15-digit myki number to register. Mr Miners' sudden departure came just a week after it was revealed that the $1 billion myki smartcard system originally due for introduction last year would now be delayed until at least 2010. Your card provider holds the right to approve or deny your request for a balance transfer. Mobile myki only allows eight myki Pass types to be purchased via the app: 7-day, 28-day, 30-day, 31-day, 35-day, 40-day, 60-day and 365-day. But is it possible to go to a ticket booth. Edited for typos. How long do balance transfers take with Chase? Keep in mind that credit utilization is also affected by individual card balances. Your Victorian Student Pass or PTV School Student ID can be replaced on the spot at the location it was issued. The balance transferred when the old card expired. I realise this is not a life-changer, but there's a principle at stake. Myki replaced the Metcard ticketing system and became fully operational at the end of 2012.. You can also request up to two years of travel and transaction history by calling1800 800 007. <>stream Alternatively, you may log in to your card provider's online platform and check the status of your balance transfer request at any time. What if my card is lost or stolen? I'm glad I don't need to catch public transport anymore. You can also update it there if youre not on the latest version. 181 0 obj Youll need to complete a V/Line Passenger Refund Application Form. You can then see what Android version youre on. Pay down this card's balance quickly to improve your credit. 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? Choose a balance transfer card based on the length of the 0% APR offer, balance transfer fees, annual fees, regular APRs and added perks. Then he said he could order a replacement one to be posted to me. WalletHub Answers is a free service that helps consumers access financial information. Buy a Myki card; Top-up a Myki; Traffic accident reports Traffic accident reports child pages. It lets you set a minimum balance and your myki will automatically top up with the amount you choose. 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. 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 . What is the glossary of common credit card terms? 0000005511 00000 n 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. 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). The helpfulness of a financial advisor's answer is not indicative of future advisor performance. You can manage your Adelaide metroCARD online by setting up an account. We can only see Mobile myki information if you register your Mobile myki viaRegister your myki. What is the best credit card for bad credit? If you travel occasionally pay as you go with myki Money. 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). There is no principle. For more information, visit the V/Line website. For physical myki smartcards we'll transfer your balance to a replacement myki at no cost. replacement card and to organise a balance transfer from your old myki to your new one. If it doesn't appear, your phone does not have an NFC chip. Because the whole thing is fucked. Most people would keep the same card for years. If you have Mobile myki you can set Auto Load via the Google Pay app. On occasion, there is a small (< $10) balance leftover, which expires after a couple of years. Why are the PTV and Victorian Minister for Transport allowing Myki to get away with this? If you'd like to buy a myki Pass for a different day duration, you can do so via the PTV website. Licences. Only reserved V/Line paper tickets and Date-to-Date tickets can be replaced if lost or stolen. You would think they could have done it over the phone. There must be hundreds of thousands of Myki card balances in this situation, if not millions. How balance transfers work The balance transfer program features: Low balance transfer rate at your standard purchase APR* Low fee of just 3% (minimum of $5) What to Do If You Cant Get a Student Credit 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. <>stream I register them all (but only have auto top up on my main card), when I get to the point that I have too many, I simply go online report the oldest cards as lost/damaged, it cancels them immediately and ask which other card to transfer the balance to all sorted in a matter of seconds. Do You Have to Be a Student to Get a Student Credit Card? 0000003206 00000 n 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. 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. It appears as a "Approved Level 2" request on my myki account on the website. You can only activate a Mobile myki on one device at a time. Save. startxref The call centre staff member told me "we're not a financial institution so it's not that simple". No. I also had left-over balance on my old Android "Myki Mobile" phone - which I should use up. No. The most upsetting part about myki is the initial card cost, which is far more than it costs to manufacture. To use, simply: top-up your card tap on at the start of your journey tap off at the end. 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. For the amount of money that has been put into developing the system I'd think something as basic as that should be possible. Typical details you need to provide include the name of the card, the name of its issuer and the desired transfer amount. I searched everywhere. 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. Music:. I am only onto my second card because the first was lost. New comments cannot be posted and votes cannot be cast. This answer was first published on 03/01/23. <>/BS<>/F 4/Rect[91.995 203.87 285.75 216.51]/StructParent 2/Subtype/Link>> endobj Within the phone, go to Settings > Connected devices. endobj Refunds cannot be issued for less than $5. 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. (by Issuer). 0 This is why I don't keep much money on transport cards.