That's a lot of free money for Myki, which customers are unlikely to ever claim. The call centre staff member told me "we're not a financial institution so it's not that simple". For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. The next question is whether MYKI is free before 7 a.m. On a weekday, train travel completed . This is the case for all major credit card issuers. We're looking to expand the number of card types available, so more passengers can use Mobile myki. <>/Filter/FlateDecode/Index[32 146]/Length 27/Size 178/Type/XRef/W[1 1 1]>>stream What is Identity Theft & Credit Card Fraud and How to Protect Yourself? Alternatively, you may log in to your card provider's online platform and check the status of your balance transfer request at any time. 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. Myki replaced the Metcard ticketing system and became fully operational at the end of 2012.. Make sure you pick a card that accepts balance transfers and has advantageous rates. Edited for typos. Balance transfers usually go through in five to seven days, although they may take longer. 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 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. Go to Settings > Connected devices > NFC. I hadn't registered this new one yet but I had the receipt with the date/time/transaction number/myki terminal number. 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. This makes it cheaper to forfeit the money, which becomes an unearned source of revenue for Myki. Would be easier if they would transfer the balance onto an existing card, but hopefully that's coming. endobj 2. *Rates, fees or bonuses may vary or include specific stipulations. Once you do, carrying out a balance transfer becomes rather straightforward. Paying off a balance transfer is a huge accomplishment and will positively impact your financial future. 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). 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. Enter your cell phone number and well send you a link to install the WalletHub app. From the "I Want To" drop down menu, find "Transfer a Balance.". Personal Credit Cards? Pay down your credit card debt. If you buy a myki from a retailer, ticket office window or myki machine or buy a Mobile myki, it's unregistered. I have my most recent card that has $6.54 on it. 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. On occasion, there is a small (< $10) balance leftover, which expires after a couple of years. 184 0 obj Once it's transferred to another device, it will no longer be available on the original device. 0000005171 00000 n Now you cannot access it on your original device. If you're using an international payment card you won't be able to top up via the PTV website. If you can just transfer money between mykey cards, well then what would the tracability of those funds be? Most balance transfers with Chase process within a week. 0000002274 00000 n endstream I understand your frustration, especially when it's something that can be done quickly. What are Your Rights as a Credit Card Holder? Contact us to request the transfer. 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". Here's where to find it: After logging in to your account, go to "Card Details.". Although your overall credit utilization may be low, if the utilization on one card is high, that may negatively impact your credit score. 0000013222 00000 n Even if they do, you can only transfer a balance between a Synchrony credit card and another issuer's credit card. What if my card is lost or stolen? If you're travelling on a concession fare, you must make sure you hold the correct concession entitlement. 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. What is the best cash advance credit card? 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. Let's say you have $4,000 in credit card debt and transfer that balance to a . 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 or your smartphone with a Mobile myki is lost or stolen, you can report it online orcall us to block your myki. New comments cannot be posted and votes cannot be cast. My old one is registered and everything with my account but there seems to be no way to import that one in. 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. Most credit cards charge a balance transfer fee, typically ranging from 2% to 5% of the balance transfer amount. Is it bad to do multiple balance transfers? No, you can't get a refund on the ticket cost, but you can be reimbursed for unused credit. As a security measure, we don't allow payments via Mobile myki using anything other than a VISA/Mastercard. 2 If you're transferring a balance of $1,000, your balance transfer fee would range between $20 and $50. 0 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. Privacy Policy. For each transfer: 3% intro fee ($5 min) in first 60 days, after that 5% ($5 min) 670. 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. Myki Money QTEM devices can be found at PTV Hub (SouthernCross). What is the best balance transfer credit card? 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. If it doesn't appear, your phone does not have an NFC chip. Enter the amount of debt you want . However, this is not the exact amount you may transfer from other cards because you also need to account for balance transfer fees. The system was delivered more than $500m over budget and behind schedule. Once your phone has rebooted, go to Mobile myki within Google Wallet. Auto top up and Auto-load cant be transferred to your new myki. For example, one person can manage mykis for family or friends. I'm glad I don't need to catch public transport anymore. You can transfer the balance from one credit card to another by following these steps: Select the Plus icon (+) on the Toolbar. Save on interest charges by transferring your high-rate balances to your COPFCU Visa Credit Card. Editorial and user-generated content is not provided, reviewed or endorsed by any company. If NFC is shown and you can turn it on or off, you have NFC. No, you cannot transfer a balance from one Synchrony Bank credit card to another. We're working to improve our systems so we can allow other payment card types in the future. Myki credit, once on your card, does not expire after 90 days of not getting used. 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. I plan to use my boyfriend's Lowe's card for 24 months 0% financing on a huge purchase. You need to apply for a balance transfer. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our. They contacted me, I did it online and they posted me a new card. -- Lee Huffman, credit card expert at BaldThoughts.com. https://www.ptv.vic.gov.au/tickets/refunds-and-replacements/#loststolen. Step 5: Apply for the New Card. 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 . 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. You might also lower your overall monthly payments and turn multiple bills into one easy payment. This is how I feel when people ask if I can fax them a form. Auto-load is the same as auto top up. What are the best student credit cards for cash back? I understand Metro trains/Myki are seperate entities but it's still a pain in the bum. 0000005119 00000 n A subreddit for Melburnians and Melbourne enthusiasts! I still don't understand why though - what is the technology required to do this? If you need a tax invoice call1800 800 007 and we'll email your tax invoice to your registered email address. What credit cards don't require a deposit? The phone is awake whenever the screen is turned on, even it's locked. Can I use Mobile myki on my Android phone? Imagine what they could have done to improve the public transport system with the $1.5 billion they pissed up on this debacle! 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. (by Issuer). Yes, you can transfer your American Express balance to another credit card as long as it is issued by a different credit card company. 0000003014 00000 n How does credit and credit cards work for students? Youll need to complete a V/Line Passenger Refund Application Form. Watch the video for steps on how to register online or read more on how to register your myki in the PTV app. You'll need your 15-digit myki number to register. They could have at least have forms on their website to print and send. You probably want to transfer a balance to save money not spend more. 0000010193 00000 n 0000000016 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 Can someone explain why this isn't possible? If you transfer that balance to a credit card that offers a 0% introductory APR for 12 months on balance transfers, the new card may charge a transfer fee, typically around 3 percent of the balance. In person at a PTV hub , or a premium metropolitan station or staffed V/Line station inside the myki boundary. You can replace some types of tickets if they are lost or stolen. 182 0 obj Music:. 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 . Just one more benefit you enjoy as a COPFCU member. Step 4: Analyze Your Top Picks. 0000002823 00000 n the PVT website says: "What to do with your myki when you leave Melbourne. One may also ask,do pensioners get free train travel in . Rajiv Baniwal is a journalist who has been covering financial topics for over 15 years. endobj 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). 178 39 Learn more about auto top up. Transfer your physical travel card to your iPhone On your iPhone, open the Wallet app. Also, the balance transfer could alter your credit utilization ratio, which can negatively affect your credit score. I only realised this when my replacement card was lost and I called up for a new one. The Blue Business Plus Credit Card from American Express, Marriott Bonvoy Business American Express Card, Capital One Quicksilver Cash Rewards Credit Card, Credit One Bank Platinum Visa for Rebuilding Credit, U.S. Bank Altitude Go Visa Signature Card, American Express Blue Business Cash Card, Blue Cash Everyday Card from American Express, Blue Cash Preferred Card from American Express, Delta SkyMiles Blue American Express Card, Delta SkyMiles Gold Business American Express Card, Delta SkyMiles Gold American Express Card, Delta SkyMiles Platinum Business American Express Card, Delta SkyMiles Platinum American Express Card, Assent Platinum 0% Intro Rate Mastercard Secured Credit Card, Capital One SavorOne Cash Rewards Credit Card, Capital One Spark Cash Select - $500 Cash Bonus, Capital One VentureOne Rewards Credit Card. 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. Via mail Complete the balance transfer and refund form to cancel your go card and transfer the balance to another valid card . To keep travelling with auto top up or Auto-load, youll need to set it up again. Check that NFC is enabled on your phone. 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. The train from Flinders took so long to leave that by the time I got to St. Albans, myki had assumed I wasn't going to touch off and checked by off automatically, deducting the default fare. I have had a myki card virtually since the start date. 0000004139 00000 n But is it possible to go to a ticket booth and have the person there do it? 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. Opinions expressed here are the authors and/or WalletHub editors'. Now that you know how to transfer balances on credit cards, determine if going down this road might work well for you. 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. JavaScript must be enabled to use this site.We're sorry for any inconvenience. From the pop-up options, select 'Deactivate'. This is a requirement of Google. 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. 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. Your first touch on creates a 2 hour fare. Was told a main railway station can move the balance. How long do balance transfers take with Chase? 0000001429 00000 n Your balance is protected from the time you tell us your myki is lost or stolen. From the Transfer Funds From drop-down, choose the credit card where the balance was coming from. 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. Annual Fee: $0. 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. 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. What's Auto-load? You would think they could have done it over the phone. If your myki has expired, or is due to expire within 60 days, you're entitled to an on-the-spot replacement. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. Choose a balance transfer card based on the length of the 0% APR offer, balance transfer fees, annual fees, regular APRs and added perks. Mobile myki is different to an existing myki card. The balance transferred when the old card expired. 0000005683 00000 n 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. 185 0 obj Whats the difference between a hard credit inquiry and a soft credit inquiry? No. 188 0 obj Can You Get a Student Credit Card With No Income? The . JavaScript must be enabled to use this site.We're sorry for any inconvenience. Yes. xen0. Your card provider holds the right to approve or deny your request for a balance transfer. 1. A balance transfer lets you use a credit card to pay debt on another credit card. 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 a Mastercard or VISA card you can get and top up a Mobile myki. Commuters in Victoria are calling for an overhaul of the Myki system after learning there is almost $80 million worth of unused credit sitting idle. I don't know where the actual card is. V/Line paper tickets can become invalid because of: Replace your ticket at any staffed V/Line station. View all transactions related to your myki for the previous 6 months, select your myki then select Activity. 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. 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. 0000001755 00000 n If your myki card is registered, call 1800 800 007 or visitptv.vic.gov.au. Carrying that balance is costing you $1,000 a year in interest. There is no principle. It's idiotic bureaucracy and laziness stopping them doing the transfer, not technical limitations. A refund for an international payment card cannot be processed by the PTV call centre. 0000002429 00000 n The most upsetting part about myki is the initial card cost, which is far more than it costs to manufacture. This 0% interest period can help you carry your debt for a limited time without paying interest. Myki (/ m a. It also protects your myki balance if you lose your phone or it's stolen. I know it's not possible to do it online. Tap Travel Card. This will allow you to deactivate your Mobile myki. 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. Please note you cannot replace a lost or stolen myki at a premium station. <>/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>> But is it possible to go to a ticket booth. The helpfulness of a financial advisor's answer is not indicative of future advisor performance. Press question mark to learn the rest of the keyboard shortcuts. You need to deactivate your Mobile myki on one device before doing a factory reset or all data will be lost. Which I obviously don't have because it is lost. Wait a few minutes then check the app to see your balance. The short version. <>/BS<>/F 4/Rect[309.25 205.16 568.9 217.81]/StructParent 4/Subtype/Link>> Your original go card will be cancelled immediately and cannot be used for further travel. What are the best credit cards for bad credit with no deposit and instant use? 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. Done it twice now. 0000001606 00000 n 0000008137 00000 n No wonder the thing cost more than a billion dollars. Try hovering the phone just above or near the reader, rather than touching the phone on the reader. 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 . We're working to provide all concession fare benefits to Mobile myki that will have the relevant additional fare benefits associated with them. This question is about Synchrony Bank Credit Cards. What is the best credit card for bad credit? I realise this is not a life-changer, but there's a principle at stake. I also had left-over balance on my old Android "Myki Mobile" phone - which I should use up. How to Show Credit Worthiness without Credit? You need to be connected to the internet to top up your Mobile myki. 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. 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. It seems pretty archaic having to fill out a form and send it in for a replacement Myki. Unregistered vehicle permit. Whats the Difference between Business vs. Corporate Credit Cards? and our 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. 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). 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. Balance transfer fees may apply. Buy a Myki card; Top-up a Myki; Traffic accident reports Traffic accident reports child pages. 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. Your Mobile myki expires after two years. If you register your myki, you can set Auto Top Upand manage your myki. Upon approval, your new card provider might pay your old card provider directly or send a check to you. But what if the amount is comparable to or less than the postage? This resets the fare expiry and gives you more time to complete your journey. The balance transfer program features: Low balance transfer rate at your standard purchase APR* Low fee of just 3% (minimum of $5) Is it a Myki issue? Pick a card that waives the balance transfer fee. 0000002627 00000 n You haven't explained why you need to transfer balance. 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.

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