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188 0 obj hbbf`b``30 ap Maintain your L-plate log book. 0000004362 00000 n I'm in Adelaide. What is a balance transfer and how does it work? - CreditCards.com Just one more benefit you enjoy as a COPFCU member. Alright I'll bite - the first one with the $26 had been registered, so I asked the call centre agent if he could transfer the money onto the new Myki (I had just bought a THIRD one) and he said it couldn't be done. 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. Your myki money or pass can then be transferred to a new smartcard. How to Transfer a Credit Card Balance to Another Credit Card Transferring debt from multiple credit cards to a single card (debt consolidation) is also possible. You will need to provide identification to show that you are the registered myki card holder. 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. On occasion, there is a small (< $10) balance leftover, which expires after a couple of years. 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. To check if you're eligible to travel on a concession myki, see Concessions and free travel. If you wish to transfer balances from multiple cards, select the ones with the highest APRs first. For example, when your myki Money balance reaches $10, you could top up with $20. Metro Trains: Ripped Off - See 175 traveler reviews, 73 candid photos, and great deals for Melbourne, Australia, at Tripadvisor. Mobile myki is different to an existing myki card. Mobile myki Frequently asked questions - Public Transport Victoria We can only see Mobile myki information if you register your Mobile myki viaRegister your myki. Check your old Myki cards - Daniel Bowen My Myki was due to expire after three years. Im sure Myki could add this capability to their website if they cared to. 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. 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. <> You can transfer the balance from one credit card to another by following these steps: Select the Plus icon (+) on the Toolbar. If you've lost your previous card or it ceases to work then there is a mechanism for transferring the balance. 1. You can report your registered myki smartcard as lost or stolen by: Your lost/stolen registered myki can be replaced on the spot at a PTV Hub. Card issuers often have balance transfer offers, sometimes with rates as low as 0%. As a security measure, we don't allow payments via Mobile myki using anything other than a VISA/Mastercard. EDIT; The card that I want to transfer FROM was lost and it was de-activated. What are the best business credit cards for cash back? Remember to top up with enough money to pay for your entire journey. The balance transferred when the old card expired. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. If youve already bought a myki to travel, contact us to get a reimbursement of the myki fee. His expertise includes mortgages, loans, credit cards, insurance and international money transfers. I also had left-over balance on my old Android "Myki Mobile" phone - which I should use up. 178 0 obj The unused money does not sit in an account earning interest. Transfer your balances to the card with the best offer or your new card. Pay down this card's balance quickly to improve your credit. You can also update it there if youre not on the latest version. 0000004139 00000 n How are Banks Adapting to Meet New Needs Because of Coronavirus? Your myki smartcard expires after four years. How hard can it be to transfer money from a card that I own to another card that I own, both under my name and both registered to my account? 0000117992 00000 n This will let you manage your myki as you would a physical myki card. Image what could have been done with a billion fucking dollars. Refunds cannot be issued for less than $5. How to Add Authorized Users & Employee Cards on a Business Credit Card? Even if they do, you can only transfer a balance between a Synchrony credit card and another issuers credit card. Transfer a Balance From One Synchrony Bank Card To Another endobj Was told a main railway station can move the balance. 3. However, if you keep all three accounts active, your overall credit utilization ratio drops to 20%. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. 8:35pm Feb 8, 2020. For physical myki smartcards we'll transfer your balance to a replacement myki at no cost. However, the maximum amount you may transfer cannot exceed the available credit limit of your new card. My old one is registered and everything with my account but there seems to be no way to import that one in. 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. There are three ways to replace lost or stolen myki cards: 1. 0000005171 00000 n Select the 'Activate' option. Standard message rates apply. <>stream 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. The MoneyGeek editorial team ensures it stays up to date on the latest credit card offers as well as changes in fee structures. 182 0 obj 0000118590 00000 n You would break even only after a year. You can then see what Android version youre on. JavaScript must be enabled to use this site.We're sorry for any inconvenience. For instance, your applications for new cards and balance transfers remain subject to approval. I only realised this when my replacement card was lost and I called up for a new one. If your phone battery dies, you'll need to charge your phone or purchase a physical myki card to travel on the network. How to replace your myki: - Vtsnfttest.com.au That's a lot of free money for Myki, which customers are unlikely to ever claim. They could have at least have forms on their website to print and send. 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. Edited for typos. Personal Credit Cards? Balance transfers usually go through in five to seven days, although they may take longer. 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. Wtf? You'll need to buy and top up a new Mobile myki. No wonder the thing cost more than a billion dollars. Victoria State Government Department of Transport, Disruptions on the Cranbourne and Pakenham lines, Refunds, compensation and replacement tickets, myki machine, Quick Top Up or myki Check myki equipment, If you already have an unregistered myki, you can. 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. I know it's not possible to do it online. How Do Credit Card Balance Transfers Work? - Investopedia How to transfer your credit card balance - Citi.com From the pop-up options, select 'Deactivate'. Paying off a balance transfer is a huge accomplishment and will positively impact your financial future. From the Transfer Funds To drop-down, select the credit card that will received the balance. Can someone explain why this isn't possible? You will need to provide identification to show that you are the registered myki card holder. 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. Once your phone has rebooted, go to Mobile myki within Google Wallet. Can You Pay Your Taxes With a Credit Card? <>/BS<>/F 4/Rect[123.42 258.71 218.47 271.36]/StructParent 1/Subtype/Link>> endobj If you have Mobile myki you can set Auto Load via the Google Pay app. More than a year ago, I needed to change my concession Myki to full fare (no longer a student). Check that NFC is enabled on your phone. A refund for an international payment card cannot be processed by the PTV call centre. The process begins when you submit a balance transfer application. Privacy Policy. Any chance I can get my money back/ transfer it to a new mobile MyKi (both are registered and visible in my account)? You can request a new, free myki smartcard through your online account. 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". endstream I never bothered to do it. Watch the video for steps on how to register online or read more on how to register your myki in the PTV app. If you need to travel in the meantime, buy a new myki and top up with myki Money or a myki Pass. Press question mark to learn the rest of the keyboard shortcuts. Myki is the best free password manager for users looking for secure storage, ease of use, quick authentication, and cross-platform syncing. 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". Any money on your card will be protected. In order to touch on, there is only one condition that must be met: a myki money balance of $0.00 or more. 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? Learning how to transfer a credit card balance to another card requires understanding the intricacies of the process. 187 0 obj Compare Balance Transfer Cards | finder.com <>/BS<>/F 4/Rect[309.25 205.16 568.9 217.81]/StructParent 4/Subtype/Link>> Step 5: Apply for the New Card. there's no excuse for this money-grubbing by the Myki corporation.Sure there is transferring money between cards is not the primary function. Myki Q+A: Straight answers to your questions | Public Transport Users Ripped Off - Metro Trains, Melbourne Traveller Reviews - Tripadvisor This 0% interest period can help you carry your debt for a limited time without paying interest. 0000012144 00000 n But what if the amount is comparable to or less than the postage? 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. <>/BS<>/F 4/Rect[26.1 186.97 137.65 203.87]/StructParent 3/Subtype/Link>> Hoping to transfer the same balance repeatedly over time by using different balance transfer cards with 0% APR offers is fraught with risks. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our. Typical details you need to provide include the name of the card, the name of its issuer and the desired transfer amount. How many level crossings could have been grade-separated with that money? The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. The helpfulness of a financial advisor's answer is not indicative of future advisor performance. Unless there is anything special in what you need, I would think that most people only need one or two myki cards. How to Transfer a Credit Card Balance to Another Card FAX?! 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). 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. 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. https://i.ibb.co/2NK61G8/aviary-image-1552378190281.jpg. 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. Do You Have to Be a Student to Get a Student Credit Card? Try hovering the phone just above or near the reader, rather than touching the phone on the reader. The cost would have been deducted from the balance at transfer. Save. A quick tutorial to transfer your myki balance between google pays on different android phones. You can only have your Mobile myki active on one device at a time. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Imagine what they could have done to improve the public transport system with the $1.5 billion they pissed up on this debacle! 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? This makes it cheaper to forfeit the money, which becomes an unearned source of revenue for Myki. A reserved V/Line paper ticket can be replaced before your day of travel at any staffed V/Line station, once you complete a V/Line Passenger Refund Application Form. Myki | Youth Central It appears as a "Approved Level 2" request on my myki account on the website. Do you have any links to the technical specs of the miki? Tap Continue. trailer We cant replace a lost or stolen unregistered myki. WalletHub Answers is a free service that helps consumers access financial information. Some trips take longer than two hours because of a transfer between services. 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. For a bus anyway. The reason for that is because low interest rates for transfers are made to attract new customers. You may also receive a letter confirming the balance transfer. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Best Balance Transfer Cards With 0% APR Of March 2023 Here are some tips to save on fees and interest on a balance transfer. endobj 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. If your card is registered, simply notify PTV on 1800 800 007 and they will freeze the account and transfer the money onto a new card. endobj New comments cannot be posted and votes cannot be cast. Easy, and only required every three years!! What is Identity Theft & Credit Card Fraud and How to Protect Yourself? 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. Also if James or Patrick from the PTV call centre get to see this I'm sorry for being a cunt nugget. 2. Do Seniors Myki Cards Expire - WHYIENJOY 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. Your card provider holds the right to approve or deny your request for a balance transfer. Your new starting balance would be $3,090. 0000003801 00000 n I was told that when I made a new card I would be able to transfer the money across. Yes, you can transfer your American Express balance to another credit card as long as it is issued by a different credit card company. Make sure you pick a card that accepts balance transfers and has advantageous rates. The unused money remains on the card, losing value as fares increase over the years. It lets you set a minimum balance and your myki will automatically top up with the amount you choose. 181 0 obj 3. daaab.eth | Address 0x12a0e25e62c1dbd32e505446062b26aecb65f028 | Etherscan A billion fucking dollars. Create an account to follow your favorite communities and start taking part in conversations. Why is it impossible to transfer money online between different Myki cards? 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. 183 0 obj What are the best credit cards for bad credit with no deposit and instant use? Within Google Wallet, go to Mobile myki, select the menu in the top right corner (three vertical dots) and choose Move to another device. 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. Can you transfer MyKi balance from one card to another? Receive a new myki smartcard when yours expires Your myki smartcard expires after four years. 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. https://www.ptv.vic.gov.au/tickets/refunds-and-replacements/#loststolen. This is the case for all major credit card issuers. 0000001429 00000 n Yes, #Myki cards expire after four years - Daniel Bowen Auto-load is the same as auto top up. Always the last place you look lol. For the amount of money that has been put into developing the system I'd think something as basic as that should be possible. They are good for people who use transport frequently. %%EOF How To Transfer A Credit Card Balance To Another Card. 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 . You may also need to restart your phone after updating the app. PDF Guide to balance transfers and refunds - TransLink You can also replace your myki online or by calling us. 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. Melbourne commuters to use their phones as a Myki, but only if they're Contact us to request the transfer. Log into your Barclaycard online servicing account or use the Barclaycard app to see if you have an offer available. Well block your myki and arrange a replacement myki. Let's say you have $4,000 in credit card debt and transfer that balance to a . 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. How to transfer a balance to a Capital One credit card They actually can transfer your funds really easily but you need to get a case created. I was told there was nothing I could do for this one as it wasn't registered. xref As a matter of fact, most Synchrony Bank credit cards do not allow balance transfers to begin with. 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. 0000001755 00000 n 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%. The same as a physical myki card, you can have myki Money and a myki Pass on your Mobile myki. Please note, balance transfer is not instantaneous. How balance transfers work About a week back, I went from Frankston to St. Albans, changing at Flinders. Choose the zones you want to travel in and the number of consecutive travel days you need. endobj What is a Balance Transfer Credit Card? | Discover We're working to improve the messaging. 1. 0 If you're entitled to these additional benefits, you can access them by using your myki smartcard. 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. Posting by mobile so you can find it yourself ;-). 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. But what if the amount is comparable to or less than the postage? You need to submit a balance transfer application that is subject to approval. Myki replaced the Metcard ticketing system and became fully operational at the end of 2012.. Register your myki - Public Transport Victoria 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. 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. You need to be connected to the internet to top up your Mobile myki. Transferring a credit cards balance to a new card requires getting the new card provider to approve the transfer. Done it twice now. From the Transfer Funds From drop-down, choose the credit card where the balance was coming from. What is the best cash advance credit card? 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. 0000001076 00000 n When a Myki card is lost or . My old one is registered and everything with my account but there seems to be no way to import that one in. 0000010193 00000 n How to Show Credit Worthiness without Credit? 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. The easiest option is to call PTV on 1800 800 007. there's no excuse for this money-grubbing by the Myki corporation. Now, on the form it says I need the card to be re-imbursed. startxref It's the replacement of my old Yearly Pass card, originally bought for travel in 2020, but barely used. I don't know where the actual card is. If you can just transfer money between mykey cards, well then what would the tracability of those funds be? If your myki has expired, or is due to expire within 60 days, you're entitled to an on-the-spot replacement. No. Under Other, select Transfer. Consider a balance transfer card that has an intro $0 balance transfer fee for a certain time frame or waives the fee . Cookie Notice On Friday Martin. Which I obviously don't have because it is lost. 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. 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 is unfair, and I don't think this cost is refunded if you submit the form for a refund. <>/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 the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. 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. Why Melbourne's public transport ticketing system myki may soon be endobj Although your overall credit utilization may be low, if the utilization on one card is high, that may negatively impact your credit score. You can replace your ticket if its expired, damaged or defective. 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% . You can transfer your registered go card balance (including the refundable deposit) to another valid go card by calling 13 12 30. Aldimobile uses the Telstra network and SIMs and credit can be purchased at any Aldi supermarket. I found that other card with $19.90 on it. The reason why its not an online function is because it would not be a regular occurrence, in comparison to normal usage. 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. We're looking to expand the number of card types available, so more passengers can use Mobile myki. What credit cards don't require a deposit? JavaScript must be enabled to use this site.We're sorry for any inconvenience. About go card | Translink 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. Carrying that balance is costing you $1,000 a year in interest. Victoria's myki public transport card could be scrapped by end of 2023 Save on interest charges by transferring your high-rate balances to your COPFCU Visa Credit Card. You probably want to transfer a balance to save money not spend more. If you need a tax invoice call1800 800 007 and we'll email your tax invoice to your registered email address. 0000005119 00000 n https://www.ptv.vic.gov.au/tickets/refunds-and-replacements/. So I had a mobile MyKi with around $6.xx balance on it. You can manage up to 8 mykis through one account. When I went online and tried to get a refund they asked me for my card number from the last top-up, I tried a few cards but can't seem to get it right. You only need to wake up your phone to touch on and off. Most balance transfers with Chase process within a week. You might also lower your overall monthly payments and turn multiple bills into one easy payment. Unregistered vehicle permit. You would think they could have done it over the phone. Mobile Myki can be set to Auto Load. You can request a new, free myki smartcard through your online account. endobj The costs of a balance transfer. <>/BS<>/F 4/Rect[309.25 192.52 346.16 205.16]/StructParent 5/Subtype/Link>> You may be using an older version of Google Wallet. Remember that the total amount you transfer needs to remain less than the available credit limit of your new card.