Old Jan 10, 2015, 9:20 pm
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: NoonRadar

Nov 24, 2015

Dear XXXXXXXXX,

We want to let you know that we are making a change to your Target Prepaid REDcard® by American Express, and you will no longer be able to add money from your debit card at Target stores. As always, you can continue to add money to your Prepaid REDcard by using:

• Your debit card online through your Account
• Cash at a Target Store
• Direct Deposit (You can automatically add all or part of your paycheck, government benefits and federal tax refunds to your Prepaid REDcard)


DEAD FOR DEBIT CARD LOADS EFFECTIVE 10/12/2015 - MEMO: http://frequentmiler.boardingarea.co...uests-can-use/


DEAD FOR CREDIT CARD LOADS. (Amex GCs Included)

Effective May 6, 2015 registers are hard-coded to not allow credit card reload. PIN-based debit cards are working, however YMMV. PIN-based debit cards may be refused by cashiers.


WHAT IS TARGET PREPAID REDCARD?
Prepaid Redcard is a reloadable American Express card. It is only available to purchase at select Target stores.

    WEBSITE:
    This site may error when in Firefox, especially with adding payees / bill pay. Customer service says to use Chrome or Internet Explorer.
    https://amex.serve.com/prepaidredcard

    PREPAID REDCARD LOAD LIMITS
    Cash (or debit card) loading at Target: ** - $1,000/transaction, $2,500/day and $5,000/month
    Online Debit Card Load * - $200/day and $1,000/month
    Checking/Savings Account - $2,000/month
    Checks - $2,000/day and $10,000/month
    ATM Withdrawals - $750/day and $2,000/month



    All "Monthly" limits are per calendar month and reset on the 1st of each month.
    Daily limits reset at midnight Eastern time, 9 PM Pacific time.

    *For online debit load, only use of bank-issued cards is allowed. The use of pre-paid debit cards (Netspend, Paypower, Univision, Paypal, etc.) and VGC/MGC/AGCs is not allowed. Your account will be flagged upon first/second attempt.

    ATM Withdrawals:
    No-fee ATM usage at US Target stores* and U.S. Allpoint network ATMs. (ATM usage not available at any other ATMs.) Find an Allpoint ATM at: www.allpointnetwork.com Note that some ATMs only allow $400/transaction. There is a $750/day and $2,000/month limit to ATM withdrawals.

    RedCard is only available in specific Target stores and is not available in all states. Go to this site to find a list of available locations:https://amex.serve.com/prepaidredcard

    FREQUENTLY ASKED QUESTIONS
    Q: Can I reload a RB at a Target that doesn't sell RB?
    Yes. However, the cashier may not know how to do it. You may be able to coach them through it by saying "It's like reloading a Starbucks (or Gift) card". For step-by-step instructions on one method of 'coaching' new cashiers see Post#1904

    Q: Can I buy or reload a RB in North Carolina?
    See post here: http://www.flyertalk.com/forum/manuf...a-63.html#2520
    There is currently a software issue preventing any reload of any kind in NC. It is a known issue but there is no ETA on a fix.

    Q: Can I reload the RB at any register, or just at the Customer Service desk?
    It can be done at any register, however some cashiers are not trained on how to do this and you may have to go to Customer Service.

    Q: What is the most efficient way to drain a RedCard?
    Use BillPay to pay bills. For example, pay the credit card you used to load RedCard with. You can also withdraw money at ATMs.

    Q: I cant access the BillPay feature through the RB website!
    Verify that your account information correctly reflects a 10-digit phone number (including area code). Numerous people have reported that their account only had a 7-digit phone number (no area code) and that, after updating to a 10-digit phone number, BillPay miraculously started working.

    Q: Can we buy a temporary Redbird card while we still have a Bluebird or Serve account?
    Yes.

    Q: How many Redbird cards can you purchase at once?
    You can only purchase one Redbird card a day per SSN. If you plan to purchase more than one, be sure to use a different SSN for each purchase to avoid activation issues.

    Q: Can we register our temporary Redbird online while we still have a Bluebird or Serve account?
    No. You will have to cancel your Bluebird or Serve account first before registering.

    Q: How do I cancel my BlueBird or Serve Account online? Do I need to call them?
    Frequent Miler posted a useful trick that will help you cancel online How to cancel Bluebird online This works for both BlueBird and Serve.

    Q: Cancelled Bluebird, why does registering Redbird error out saying Bluebird is still active?
    If you have open transactions that have not been settled, like BillPay checks that have not yet been cashed, the account cannot settle and will not be truly closed. Thus Target will reject it until it's permanently closed.

    Q: Can we get Redbird online?
    No. The only way to get Redbird is to find a participating Target store and buy a temporary card there. Some people have purchased RB on Ebay, Amazon, or through private deals. Be aware that doing so may violate the TOS of one or more of these services. Also be aware that buying an un-activated RB, you are potentially buying "stolen" merchandise; the seller *may* have simply taken the un-activated RB cards from a target store without permission. At best they got permission from a low-level employee; they certainly are not getting permission from someone authorized to allow sale of RB outside of the current Target-authorized roll out markets. It is highly recommended to only buy already activated Redbirds because many Targets which do not offer Redbirds also will not be able to activate them and you will spend a month with the Customer Service line trying to get a new one.

    Q: Does the initial load you put in when purchasing the Redbird count against the monthly limit?
    No. After registering the Redbird online, any loads done will count against your monthly limit, even on your temp card.

    Q: Can we load Redbird with Target gift cards at Target?NO.
    When loading, the register displays a large message saying that gift cards cannot be used to pay for this transaction.

    Q: What are the card’s load limits per transaction at Target?
    [B]As of 2/2/2015 there is a maximum $1,000 load per transaction. You can no longer load the same RB multiple times (multiple swipes) in 1 transaction. Likewise, you can no longer load multiple RBs (say your's and your spouse's) in 1 transaction. Maximum of 1 load, for $1,000 per debit card payment. End of story.

    Q: What credit cards can I use to reload RedCard in Target stores?
    NONE. As of May 6, 2015, credit cards cannot be used to reload.

    Q: Can I reload with a debit card?
    Yes, but only if the debit card can be authenticated with PIN-number. Signature-based debit that processes on the Visa/MasterCard/AmEx networks will NOT work.

    Q: Can I reload with a prepaid debit card or Vanilla Visa?
    Yes, but only if you have a PIN for that card.

    Q: How can I load 2 debit cards in one transaction? Example 2x$500.
    1. Swipe debit card on my terminal after total comes up $1000.
    2. PIN pad comes up. Enter 4 digit PIN.
    3. Do you want cash back? press NO
    4. Do you want full amount on this card? press NO <<<Note: I pressed YES and did not have a step 5. - PHLisa
    5. Cashier reads something on register, asks how much on this card. $500. They push something to continue.
    6. Swipe card #2. Enter PIN
    7. Repeat 3 to 5. Total: 0.00
    8. Receipt prints. Thank cashier. The end.
    (thanks to Mamibear)

    Q: Can someone else buy a Redbird card for you?
    Yes. When you buy a temp Redbird card at Target, you have to give them your drivers license info, your SSN (can be any set of numbers, does not need to be real), birthdate, and more. Then, you have to register the card online in order to get a permanent card. In the process of registering online, they ask for the birthday of the original buyer on the first screen, but you can put your own and it will still work. Either way, you can still change the details on the following screens. I did this for my wife. I bought the card at Target and used my own driver’s license, SSN, etc. But, when I got home, I registered the card to my wife. I can’t promise this will work for everyone, but it worked for me.

    Q: Can you reload Serve/Bluebird at Target?
    No.

    Q: How do I contact Target's support team to resolve an issue with my RedCard?
    Call Target's Prepaid Resolution Team, their direct telephone number is 800 438 6468 (open from 8AM to 430PM MST).

    Q: Can you have both Redbird and AFT cards?
    Yes.
    You can have both Redbird and AFT since they are independent products.

    Q: I got a "Pending" notice that the registration is being reviewed, what now?
    Add [email protected] to your address book, and check your spam folder for an email about it. You can also call in. They will need images or faxes of:
    • Social Security Documentation (must clearly show full 9 digit Social Security Number). Choose 1 of the following options:
    ◦ Social Security Card, OR
    ◦ A Medicare insurance card
    Plus...
    • Picture ID
    ◦ A valid driver's license card OR
    ◦ A valid state issued ID OR
    ◦ A valid United States Government ID Card (e.g. Green Card) OR
    ◦ A valid United States Passport (photo page only)


    Secure Document Upload
    Here's the link to upload secure documents to REDcard: https://secure.prepaidredcard.com/User/SecureFileUpload
    Print Wikipost

    Prepaid REDcard (Target) 2015-2016

    Old May 6, 2015, 12:00 pm
      #6601  
     
    Join Date: Jun 2014
    Posts: 329
    So reading past few posts....is it confirm to split the debit cards while loading to RB? i.e. $200 x 4?
    poisonsag is offline  
    Old May 6, 2015, 12:01 pm
      #6602  
     
    Join Date: Aug 2014
    Location: Sacramento, CA
    Posts: 97
    LOL--careful; hold your nose any higher and you might break your neck. Meanwhile, there'll always be a way for creative people to find another way to work within the rules and acquire points. Only a matter of time and creativity.

    Too bad, too, since I just got my redcard in the mail the other day and didn't believe the rumors that it's dead.

    Guess that's life.

    Originally Posted by invalyd
    I must say that after being on this thread over the past few months, some of you hardcore MS'ers are really the douchiest snobs in existence. Always worried about your "secrets" being exploited so others people can't benefit while you go rack up $100k on 10 different cards then complain about how too many people are joining the "game" and ruining it for you.

    I am someone who, prior to Redbird, never bothered with MS outside of Amazon Payments. Although I collect millions of miles & points, the steps were too involved for me to bother in terms of the cost/benefit. I just don't care that much and already travel the world in 1st class for free at my leisure without MS. I got a Redbird because it was very easy to pay my rent with and ran about $20k on it, which I'm happy about. It let me easily meet min spends on cards that I otherwise would not have. I'll gladly take it and move on with my life.

    Will I continue MS'ing? Probably not, unless another method as painless as RB or Amazon Payments comes along. So maybe that's a good thing for you. I'm sure I represent a good portion of others who just don't care enough about your dumb little (not so secret) tricks to bother with anything more complex.

    Either way, most of you need to get a reality check or a nice big smack in the face and get off your high horse. You're not really doing anything that 99% of people aren't intelligent enough to do themselves, most people just don't care enough to do it.

    That is all. Good day and thank you Target/Amex for the extra points.
    sac86738 is offline  
    Old May 6, 2015, 12:02 pm
      #6603  
     
    Join Date: Feb 2013
    Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
    Posts: 5,934
    Originally Posted by poisonsag
    So reading past few posts....is it confirm to split the debit cards while loading to RB? i.e. $200 x 4?
    Appears confirmed (though YMMV):

    http://frequentmiler.boardingarea.co...-memo-answers/
    Stgermainparis is offline  
    Old May 6, 2015, 12:03 pm
      #6604  
     
    Join Date: May 2005
    Posts: 1,337
    Originally Posted by invalyd
    ...some of you hardcore MS'ers are really the douchiest snobs in existence..... I just don't care that much and already travel the world in 1st class for free at my leisure without MS....
    LOL. Oh the Irony!
    MileageGoblin is offline  
    Old May 6, 2015, 12:05 pm
      #6605  
     
    Join Date: Dec 2013
    Posts: 71
    Originally Posted by invalyd
    I must say that after being on this thread over the past few months, some of you hardcore MS'ers are really the douchiest snobs in existence. Always worried about your "secrets" being exploited so others people can't benefit while you go rack up $100k on 10 different cards then complain about how too many people are joining the "game" and ruining it for you.

    I am someone who, prior to Redbird, never bothered with MS outside of Amazon Payments. Although I collect millions of miles & points, the steps were too involved for me to bother in terms of the cost/benefit. I just don't care that much and already travel the world in 1st class for free at my leisure without MS. I got a Redbird because it was very easy to pay my rent with and ran about $20k on it, which I'm happy about. It let me easily meet min spends on cards that I otherwise would not have. I'll gladly take it and move on with my life.

    Will I continue MS'ing? Probably not, unless another method as painless as RB or Amazon Payments comes along. So maybe that's a good thing for you. I'm sure I represent a good portion of others who just don't care enough about your dumb little (not so secret) tricks to bother with anything more complex.

    Either way, most of you need to get a reality check or a nice big smack in the face and get off your high horse. You're not really doing anything that 99% of people aren't intelligent enough to do themselves, most people just don't care enough to do it.

    That is all. Good day and thank you Target/Amex for the extra points.
    ^^^^^ Couldn't have said it better myself.
    kip1124 is offline  
    Old May 6, 2015, 12:10 pm
      #6606  
     
    Join Date: Aug 2012
    Posts: 467
    Originally Posted by kip1124
    ^^^^^ Couldn't have said it better myself.
    While plenty of MSers are douches, there are also plenty that aren't and are extremely helpful. Not to mention that this is a bit of a competition in a sense. There is only so much MS a system can take before it implodes so of course people want to keep it a secret, its not to be a dick, its to stay profitable for a longer period of time.
    mastermind85 is offline  
    Old May 6, 2015, 12:10 pm
      #6607  
     
    Join Date: May 2005
    Posts: 1,337
    Originally Posted by kip1124
    ^^^^^ Couldn't have said it better myself.
    It's funny how the new posters such as yourself are the only ones approving this "high and mighty" post. I myself am a convenience MSer (MS when I run errands only), but we shouldn't have hundreds of posts in this thread about how to buy a VGC or setting pins. There are threads here that require a simple Search or google search that have wiki's explaining everything.
    MileageGoblin is offline  
    Old May 6, 2015, 12:10 pm
      #6608  
     
    Join Date: Dec 2000
    Location: NY
    Posts: 132
    Data point loading VGC's: As others have probably reported, just loaded $1k to RB in one transaction using 2 $500 VGC's. As with everything else, YMMV.
    MrBill64 is offline  
    Old May 6, 2015, 12:13 pm
      #6609  
     
    Join Date: Jan 2013
    Location: Ohio (CLE or CAK)
    Programs: United platinum, Hilton Diamond, Marriott Platinum Elite, Hyatt Explorist, IHG plat
    Posts: 83
    No go w/ RB at Target in Macedonia OH near Cleveland around 1pm. Denied using both CSP and then an AMEX card too. Comment from cashier was screen said, paraphrasing, "Redcard accepts $0.00 of this transaction. 3rd party cards cannot be used". She then called RB and was told by rep "only debit cards or cash to load RB now, starting today". Neither of the ladies at the register knew anything about it until then as mgmt hadn't said anything to them.
    dmat is offline  
    Old May 6, 2015, 12:16 pm
      #6610  
     
    Join Date: Aug 2012
    Posts: 467
    One thing no one has seemed to verify which is pretty important for some debit cards, is if it still codes as a Target Purchase.
    mastermind85 is offline  
    Old May 6, 2015, 12:17 pm
      #6611  
    FlyerTalk Evangelist
     
    Join Date: Mar 2006
    Location: DFW
    Programs: AA 1M
    Posts: 31,469
    Sigh. Just when I got into this. Yesterday I was at a Target store and tried to reload. The first $500 went through but then the card got declined and since it was a little late, thought I'll go today. Missed out on 2K.
    UA Fan is offline  
    Old May 6, 2015, 12:20 pm
      #6612  
     
    Join Date: Jun 2010
    Location: SNA
    Programs: UA 1P, A|Club G, DL SM, SPG G
    Posts: 383
    Originally Posted by invalyd
    I must say that after being on this thread over the past few months, some of you hardcore MS'ers are really the douchiest snobs in existence. Always worried about your "secrets" being exploited so others people can't benefit while you go rack up $100k on 10 different cards then complain about how too many people are joining the "game" and ruining it for you.

    I am someone who, prior to Redbird, never bothered with MS outside of Amazon Payments. Although I collect millions of miles & points, the steps were too involved for me to bother in terms of the cost/benefit. I just don't care that much and already travel the world in 1st class for free at my leisure without MS. I got a Redbird because it was very easy to pay my rent with and ran about $20k on it, which I'm happy about. It let me easily meet min spends on cards that I otherwise would not have. I'll gladly take it and move on with my life.

    Will I continue MS'ing? Probably not, unless another method as painless as RB or Amazon Payments comes along. So maybe that's a good thing for you. I'm sure I represent a good portion of others who just don't care enough about your dumb little (not so secret) tricks to bother with anything more complex.

    Either way, most of you need to get a reality check or a nice big smack in the face and get off your high horse. You're not really doing anything that 99% of people aren't intelligent enough to do themselves, most people just don't care enough to do it. Just put them on ignore.

    That is all. Good day and thank you Target/Amex for the extra points.
    Many of the crazy ones literally have autism as this type of numbers gimmick greatly appeals to people of that mental makeup. They're genetically predisposed to their behavior.
    Pryde987 is offline  
    Old May 6, 2015, 12:22 pm
      #6613  
     
    Join Date: Nov 2013
    Location: LAX, LGB, SNA
    Programs: AA EXP OWE, DL DM ST+, AS MVPG, UA, BA, WN CP, Hyatt E, Ritz Plat, HH GM
    Posts: 3,185
    Originally Posted by Pryde987
    Many of the crazy ones literally have autism as this type of numbers gimmick greatly appeals to people of that mental makeup. They're genetically predisposed to their behavior.
    Wow, um ok. Do bloggers have autism too?
    hiima is offline  
    Old May 6, 2015, 12:23 pm
      #6614  
     
    Join Date: Sep 2013
    Programs: AA Lifetime Gold
    Posts: 3,677
    Originally Posted by FindAWay
    .Brugge also posted in this thread, "Please stop clogging up this thread with repetitive posts on not doing spoon feeding..." I read this as a specific request for people to stop posting OT posts about spoon feeding. Is this not a demand that it stop?
    No, my post was simple satire.

    The OP said "stop clogging up the thread", and in my opinion the posts saying that are clogging up the thread in a worse way than the so-called "spoon-feeding" posts. Not to mention, the SF posts are of actual use to someone, whereas the "stop asking for SF" posts are of no use to anyone.

    So I just switched around what the OP said, and turned it back on them. My intent was not at all to tell anyone to "shut up". It was to point out the irony of posting thread clogging posts about not doing thread clogging posts.
    Brugge is offline  
    Old May 6, 2015, 12:27 pm
      #6615  
     
    Join Date: Oct 2007
    Location: DFW
    Programs: AA EXP, Marriott Gold, Hilton Diamond, Hyatt Plat, CC Gold, IHG Plat Amb, Choice Plat
    Posts: 306
    Originally Posted by invalyd
    I must say that after being on this thread over the past few months, some of you hardcore MS'ers are really the douchiest snobs in existence. Always worried about your "secrets" being exploited so others people can't benefit while you go rack up $100k on 10 different cards then complain about how too many people are joining the "game" and ruining it for you.

    I am someone who, prior to Redbird, never bothered with MS outside of Amazon Payments. Although I collect millions of miles & points, the steps were too involved for me to bother in terms of the cost/benefit. I just don't care that much and already travel the world in 1st class for free at my leisure without MS. I got a Redbird because it was very easy to pay my rent with and ran about $20k on it, which I'm happy about. It let me easily meet min spends on cards that I otherwise would not have. I'll gladly take it and move on with my life.

    Will I continue MS'ing? Probably not, unless another method as painless as RB or Amazon Payments comes along. So maybe that's a good thing for you. I'm sure I represent a good portion of others who just don't care enough about your dumb little (not so secret) tricks to bother with anything more complex.

    Either way, most of you need to get a reality check or a nice big smack in the face and get off your high horse. You're not really doing anything that 99% of people aren't intelligent enough to do themselves, most people just don't care enough to do it.

    That is all. Good day and thank you Target/Amex for the extra points.
    no pain..no gain..just like you don't like involved MS there are people who don't care about miles and points and still afford to travel the world on their dime..everyone has different needs and methods..stick with what works best for you..no need to generalize it
    techoin is offline  

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