How to transfer your credit card balance - Citi.com Do You Have to Be a Student to Get a Student Credit Card? Myki credit, once on your card, does not expire after 90 days of not getting used. This could save you money if you're moving the balance to a card with a much lower interest rate. Yes, you can transfer your American Express balance to another credit card as long as it is issued by a different credit card company. Once you do, carrying out a balance transfer becomes rather straightforward. 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. I recently upgraded my phone but apparently now when I go to Google Pay, I have to purchase a new card. 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. From a creditworthiness point of view, this number should be at 30% or lower. Meticulous in his research, he provides accurate and up-to-date information. 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. The unused money remains on the card, losing value as fares increase over the years. Adelaide Metro metroCARDs are rechargeable plastic cards that you can use on buses, trains and trams. If you get a new card with a 0% APR offer on balance transfers, you might need to initiate the process within a stipulated time frame to make use of the offer. 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. 0000002274 00000 n Please note you cannot replace a lost or stolen myki at a premium station. I am only onto my second card because the first was lost. The balance transferred when the old card expired. The helpfulness of a financial advisor's answer is not indicative of future advisor performance. 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). 187 0 obj Wallethub doesnt charge for this service. 1. How to replace your myki: - Vtsnfttest.com.au Renew driver licence. Whats the difference between a hard credit inquiry and a soft credit inquiry? You can replace some types of tickets if they are lost or stolen. You paid down debt, which means you won't have to pay interest on previous balances going . Information on WalletHub Answers is provided as is and should not be considered financial, legal or investment advice. 3. You can manage your Adelaide metroCARD online by setting up an account. Why do you need to keep swapping cards? Understanding Credit Card Balance Transfers - Investopedia They earn interest on it. As a matter of fact, most Synchrony Bank credit cards do not allow balance transfers to begin with. What is the glossary of common credit card terms? Myki messed me up today : r/melbourne - Reddit 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. For physical myki smartcards we'll transfer your balance to a replacement myki at no cost. 3. This is a requirement of Google. Make sure you pick a card that accepts balance transfers and has advantageous rates. What is the best credit card for fair or average credit? endobj <>stream You will need to provide identification to show that you are the registered myki card holder. endobj I don't know anyone who has actually ever had to transfer their balance Myki mailboxReply paid 4318Melbourne Vic 8060, On the online replacement / reimbursement form. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our. xref Replace a ticket - Public Transport Victoria 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. The only way is to download a form, fill it out, post it in, and wait weeks. 0000005119 00000 n Learner permit or driver test. The Address 0x12a0e25e62c1dbd32e505446062b26aecb65f028 page allows users to view transactions, balances, token holdings and transfers of ERC-20, ERC-721 and ERC-1155 . Also if James or Patrick from the PTV call centre get to see this I'm sorry for being a cunt nugget. What is Identity Theft & Credit Card Fraud and How to Protect Yourself? We'll block it and can arrange a refund to your new Mobile myki. A Mobile myki expires after two years. 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. Choose the zones you want to travel in and the number of consecutive travel days you need. If you register your myki, you can set Auto Top Upand manage your myki. Transferring a credit card balance is relatively easy, but you need to follow a few steps. To learn how to do a balance transfer, review this step-by-step process. Whats the Difference between Business vs. Corporate Credit Cards? You can register online, via the PTV app or call 1800 800 007 and registration is instant. You will need to provide identification to show that you are the registered myki card holder. 178 0 obj Your new starting balance would be $3,090. 0000005348 00000 n Depending on the issuer of the card to which you wish to transfer a balance, you might be able to begin the process online or over the phone. Top up myki | Service Victoria However, this is not the exact amount you may transfer from other cards because you also need to account for balance transfer fees. Myki - Got Fine for Low Balance - OzBargain Forums If you need to travel in the meantime, buy a new myki and top up with myki Money or a myki Pass. 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. Why do we have to put up with a 1970s level of customer service when it comes to transferring or withdrawing our own unspent money? Alternatively, you may log in to your card provider's online platform and check the status of your balance transfer request at any time. On your new phone, download Google Wallet and set it up with your same account details. NSW has their equivalent, the Opal Card, and there is no charge for initial issue of the card. How To Transfer A Credit Card Balance To Another Card. You can also request up to two years of travel and transaction history by calling1800 800 007. 182 0 obj damage that exceeds normal wear and tear. 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". Update the app and try again. 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%. If you require a replacement Free Travel Pass, visit us at the PTV Hub at Southern Cross Station or call us on 1800 800 007, Refunds, compensation and replacement tickets, Victoria State Government Department of Transport, Disruptions on the Cranbourne and Pakenham lines, Making a change to your myki due to coronavirus (COVID-19). If you 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. Would be easier if they would transfer the balance onto an existing card, but hopefully that's coming. No. My Myki was due to expire after three years. You can register either when you buy your myki, or at a later date. 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. 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. To keep travelling with auto top up or Auto-load, youll need to set it up again. 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. Ripped Off - Metro Trains, Melbourne Traveller Reviews - Tripadvisor You need to be connected to the internet to top up your Mobile myki. A billion fucking dollars. Is it bad to do multiple balance transfers? Transfer registration. 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. 180 0 obj How to Show Credit Worthiness without Credit? Balance transfer from Lowe's to another card? - myFICO Forums If youve already bought a myki to travel, contact us to get a reimbursement of the myki fee. About Myki cards & Mobile Phone SIM cards - Melbourne Forum His expertise includes mortgages, loans, credit cards, insurance and international money transfers. Step 5: Apply for the New Card. Image what could have been done with a billion fucking dollars. You can only have your Mobile myki active on one device at a time. endobj You can also top up: Online now Via the PTV app Instantly top up via the PTV app by scanning your myki card Travelling Your first touch on creates a 2 hour fare. 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? That said i have a stack of Opal cards, because sometimes I leave my main card in another pocket or bag and also got spares for friends visiting from Overseas. If your Android phone with Mobile myki has been lost or stolen, contact your service provider immediately to have the phone blocked. Contact us to request the transfer. Enter the name on the account, account number and payment address of the creditor you want your debt transferred from. Rajiv Baniwal is a journalist who has been covering financial topics for over 15 years. Your myki money or pass can then be transferred to a new smartcard. This will allow you to deactivate your Mobile myki then reactivate it again. Privacy Policy. In person at a PTV hub , or a premium metropolitan station or staffed V/Line station inside the myki boundary. Check your Mobile myki, you may be in negative balance or your myki Pass may have expired. This makes it cheaper to forfeit the money, which becomes an unearned source of revenue for Myki. 13 Best Balance Transfer & 0% APR Credit Cards of March 2023 As a matter of fact, most Synchrony Bank credit cards do not allow balance transfers to begin with. 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 Do Seniors Myki Cards Expire - WHYIENJOY Mobile myki will now be reactivated on your phone, with your account details the same as before. There must be hundreds of thousands of Myki card balances in this situation, if not millions. @john_miller 03/01/23 This answer was first published on 03/01/23. EDIT; The card that I want to transfer FROM was lost and it was de-activated. Annual Fee: $0. Paying off a balance transfer is a huge accomplishment and will positively impact your financial future. (by Issuer). 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. I also had left-over balance on my old Android "Myki Mobile" phone - which I should use up. If you'd like to buy a myki Pass for a different day duration, you can do so via the PTV website. 0000002823 00000 n The balance transfer program features: Low balance transfer rate at your standard purchase APR* Low fee of just 3% (minimum of $5) startxref What if my card is lost or stolen? Melbourne commuters to use their phones as a Myki, but only if they're Do you have any links to the technical specs of the miki? How To Do a Credit Card Balance Transfer in 8 Steps If you're using an international payment card you won't be able to top up via the PTV website. Select the 'Activate' option. What is the best balance transfer credit card? Your Victorian Student Pass or PTV School Student ID can be replaced on the spot at the location it was issued. We're working to improve the messaging. If you have outstanding balances on multiple credit cards, you may want to consider consolidating this debt by getting a single balance transfer card. How does credit and credit cards work for students? Enter your cell phone number and well send you a link to install the WalletHub app. I know it's not possible to do it online. 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. 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. Question about Myki. Why isn't transferring Myki money a - Reddit The reason for that is because low interest rates for transfers are made to attract new customers. I also had left-over balance on my old Android "Myki Mobile" phone - which I should use up. If NFC is shown and you can turn it on or off, you have NFC. For more information, please see our 0000014445 00000 n By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. 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. If you need a tax invoice call1800 800 007 and we'll email your tax invoice to your registered email address. Create an account to follow your favorite communities and start taking part in conversations. 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. This will let you manage your myki as you would a physical myki card. 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. You can request a new, free myki smartcard through your online account. This question is about Synchrony Bank Credit Cards. 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 . Which I obviously don't have because it is lost. My original myki became faulty and I replaced it at Flinder St station, but they forgot to transfer my balance across. The . Do I ever lose the money . Only Mobile myki has the ability to charge you a fare via a myki device. Adelaide metroCARD - Adelaide Metro Myki travel cards 80 million dollars in lost money Victoria news For each transfer: 3% intro fee ($5 min) in first 60 days, after that 5% ($5 min) 670. 0000000016 00000 n Pick a card that waives the balance transfer fee. Here's where to find it: After logging in to your account, go to "Card Details.". If you wish to transfer balances from multiple cards, select the ones with the highest APRs first. Wtf? Typical details you need to provide include the name of the card, the name of its issuer and the desired transfer amount. My Myki expired and had like $6 on it, i went to ticket booth, was given a new myki and they transferred the balance from the old card whilst I waited, took less than a minute. It appears as a "Approved Level 2" request on my myki account on the website. If you have Mobile myki you can set Auto Load via the Google Pay app. For more information, visit the V/Line website. This is how I feel when people ask if I can fax them a form. 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. What are the best student credit cards for cash back? If you receive a check, you need to send it to your old cards issuer on your own. 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 happens to your credit card after a balance transfer? What are Your Rights as a Credit Card Holder? hbbf`b``30 ap Check your phone to make sure you're connected to WiFi or mobile data. Alternatively, you can complete our online Replace your myki form and a myki will be mailed to you. Transferring debt from multiple credit cards to a single card (debt consolidation) is also possible. 0000005223 00000 n Easy, and only required every three years!! 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. Your balance is protected from the time you tell us your myki is lost or stolen. We have this new thing called EMAIL. 0000003206 00000 n 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 a Myki issue? Assume that you wish to transfer $3,000 from a card with a credit limit of $5,000 and $2,000 from another card with a credit limit of 10,000. 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. This makes it cheaper to forfeit the money, which becomes an unearned source of revenue for Myki. Select the card with the best balance transfer offer available to you. You'll need your 15-digit myki number to register. Posting by mobile so you can find it yourself ;-). Pay down this card's balance quickly to improve your credit. More than a year ago, I needed to change my concession Myki to full fare (no longer a student). Im sure Myki could add this capability to their website if they cared to. Can I use Mobile myki on my Android phone? How does sending them a letter telling them to transfer the money make a difference then if they don't have my card? Now that you know how to transfer balances on credit cards, determine if going down this road might work well for you. Metro Trains: Ripped Off - See 175 traveler reviews, 73 candid photos, and great deals for Melbourne, Australia, at Tripadvisor. 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". 0000001606 00000 n I only realised this when my replacement card was lost and I called up for a new one. Just one more benefit you enjoy as a COPFCU member. 0000003774 00000 n To use, simply: top-up your card tap on at the start of your journey tap off at the end. I need to transfer a balance from one credit card to another credit 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. How to Process Credit Card for Consumers & Merchants? 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. Transfer a Balance From One Synchrony Bank Card To Another Unregistered vehicle permit. Music:. Balance transfer fees may apply. The version ofGoogle WalletTM used by wearables, such as watches, is a light version which doesn't support Mobile myki. endobj Most credit cards charge a balance transfer fee, typically ranging from 2% to 5% of the balance transfer amount. Via mail Complete the balance transfer and refund form to cancel your go card and transfer the balance to another valid card . The phone is awake whenever the screen is turned on, even it's locked. %%EOF 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. Opinions expressed here are the authors and/or WalletHub editors'. 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 From drop-down, choose the credit card where the balance was coming from. To transfer any funds from your existing myki to Mobile myki you'll need to deactivate the existing card. In order to touch on, there is only one condition that must be met: a myki money balance of $0.00 or more. Children, seniors and concession go card holders travel at 50% of the normal adult fares. there's no excuse for this money-grubbing by the Myki corporation. That's a lot of free money for Myki, which customers are unlikely to ever claim. What are the best business credit cards for cash back? 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. What are the best cash back credit cards for fair credit? Click on "Select Offer.". Nor does your card expire after 90 days of not getting used. JavaScript must be enabled to use this site.We're sorry for any inconvenience. I understand Metro trains/Myki are seperate entities but it's still a pain in the bum. I've got a new Myki in my Seniors package. However, it may take up to 21 days in some cases. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Refund of Myki card balance - Melbourne Forum - Tripadvisor Always the last place you look lol. 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. What is a balance transfer and how does it work? - CreditCards.com
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