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 Aug 2, 2015, 11:13 am
      #9331  
     
    Join Date: Mar 2009
    Posts: 2,293
    Zero problems yesterday or today (8/1 or 8/2) at my local Target loading a Redbird with Vanilla VGCs purchased from CVS.

    At least at my Target, which has the new POS, a lot of "regular" cashiers do not the "privileges" to do the loads but it seems like dedicated CS reps do. One of the customer service reps who seemed like she normally manages the floor but was filling in today at customer service didn't even had the privs but managed to get them added to her login before I left.

    So, for those where K8 isn't working, a trip to the customer service desk may be in order.
    danpeake is offline  
    Old Aug 2, 2015, 11:24 am
      #9332  
     
    Join Date: Jul 2009
    Location: SJC
    Programs: AA, AS, Marriott
    Posts: 6,056
    Originally Posted by uPantcho
    yeah, the short CSR over there is getting at us. i didnt have any trouble with other employees though and on the day she didnt allow me i just went to the one on colma and it was fine


    btw i should mention that she was always very "loud" about my loads every time i went there. anyone else had that impression? (specially when we could use credit cards)
    The Targets down here have upgraded their systems, but the CSRs seem to know what to do.
    Majuki is offline  
    Old Aug 2, 2015, 6:40 pm
      #9333  
     
     
    Join Date: Nov 2000
    Location: Upcountry Maui, HI
    Posts: 13,303
    Originally Posted by danpeake

    So, for those where K8 isn't working, a trip to the customer service desk may be in order.
    they had access to k8, but still couldn't figure out how to do it at Maui Target. (and that was with the store manager at the CS desk).

    I don't know if there's some trick to doing it or if they have a different version of the new POS software or not.

    I wonder if I'm the only only one trying to reload at Maui Target.

    -David
    LIH Prem is offline  
    Old Aug 2, 2015, 8:49 pm
      #9334  
     
    Join Date: Nov 2009
    Programs: DL DM-1MM HH Diamond
    Posts: 361
    Originally Posted by danpeake
    Zero problems yesterday or today (8/1 or 8/2) at my local Target loading a Redbird with Vanilla VGCs purchased from CVS.

    At least at my Target, which has the new POS, a lot of "regular" cashiers do not the "privileges" to do the loads but it seems like dedicated CS reps do. One of the customer service reps who seemed like she normally manages the floor but was filling in today at customer service didn't even had the privs but managed to get them added to her login before I left.

    So, for those where K8 isn't working, a trip to the customer service desk may be in order.
    I'll add my experience at 4 NM Targets today all with the new POS. BTW these are stores that are still selling Prepaid RC's.

    Stores 1-3 None of the cashiers had K8 as an option on their beginning screen and no matter what options they chose could not get it to show up. At all 4 stores I went to CS and the K8 option is there and loaded no problem.

    Store 4 Waiting for one cashier, watching her scan a customers items, I noticed the K8 'Reload Prepaid' option (or something similar) at the bottom of the screen, so I thought she would have the ability to load. But once she finished the transaction the option went away. Again nothing she tried gave her the K8. She seemed willing to help so I mentioned the option was there while she was ringing up the previous customer so she grabbed a pack of gum, scanned it, and the K8 option appeared. I told her $500, she entered it, then cancelled the gum and the load went through. She even did it a 2nd time for me.

    I do not recommend the above as a regular method, but hopefully it gives some insight into how the new POS system works. (at least in my small 4 store sample area)
    2B or back in coach is offline  
    Old Aug 2, 2015, 9:27 pm
      #9335  
     
     
    Join Date: Nov 2000
    Location: Upcountry Maui, HI
    Posts: 13,303
    Originally Posted by 2B or back in coach
    Store 4 Waiting for one cashier, watching her scan a customers items, I noticed the K8 'Reload Prepaid' option (or something similar) at the bottom of the screen, so I thought she would have the ability to load. But once she finished the transaction the option went away. Again nothing she tried gave her the K8. She seemed willing to help so I mentioned the option was there while she was ringing up the previous customer so she grabbed a pack of gum, scanned it, and the K8 option appeared. I told her $500, she entered it, then cancelled the gum and the load went through. She even did it a 2nd time for me.

    I do not recommend the above as a regular method, but hopefully it gives some insight into how the new POS system works. (at least in my small 4 store sample area)
    that's a valuable clue, it matches what somebody said earlier upthread about the cashier doing something that made 1 cent appear on the register.

    If I get a chance I'll try again at Maui Target.

    -David
    LIH Prem is offline  
    Old Aug 2, 2015, 10:32 pm
      #9336  
     
    Join Date: May 2015
    Posts: 508
    Paying Amex

    Is it me or does anyone else have a problem paying Amex Credit Cards? I keep getting the error,

    That payment amount exceeds your monthly limit. Please lower the payment amount and try again.

    Are you not allowed to pay amex from your Redbird account, only a certain amount? This is new to me seeing this?

    I put a payment thru, then wouldn't let me do another one until I lowered it by half. Then it won't let me put any more payment through.

    Thoughts?
    ManFactSpendLA is offline  
    Old Aug 2, 2015, 10:39 pm
      #9337  
     
    Join Date: May 2015
    Posts: 284
    Originally Posted by ManFactSpendLA
    Is it me or does anyone else have a problem paying Amex Credit Cards? I keep getting the error,

    That payment amount exceeds your monthly limit. Please lower the payment amount and try again.

    Are you not allowed to pay amex from your Redbird account, only a certain amount? This is new to me seeing this?

    I put a payment thru, then wouldn't let me do another one until I lowered it by half. Then it won't let me put any more payment through.

    Thoughts?
    I recently ran into this problem, but it had nothing to do with payments to Amex. I was exceeding the monthly bill pay limit i.e. 15k/mo (or $5k/mo for "unregistered payees").

    Possibly the same for you?
    Radster is offline  
    Old Aug 2, 2015, 10:42 pm
      #9338  
     
    Join Date: May 2015
    Posts: 508
    Hum, could it be the fact that I did NOT allow the Amex payment to populate and entered it myself? Would that be a "Unregistered payee" then?

    I'll try again to add a payee and then let it populate.

    Off to test, thank yoU!

    Originally Posted by Radster
    I recently ran into this problem, but it had nothing to do with payments to Amex. I was exceeding the monthly bill pay limit i.e. 15k/mo (or $5k/mo for "unregistered payees").

    Possibly the same for you?
    ManFactSpendLA is offline  
    Old Aug 2, 2015, 11:06 pm
      #9339  
     
    Join Date: May 2015
    Posts: 284
    Originally Posted by ManFactSpendLA
    Hum, could it be the fact that I did NOT allow the Amex payment to populate and entered it myself? Would that be a "Unregistered payee" then?

    I'll try again to add a payee and then let it populate.

    Off to test, thank yoU!
    Yeap. This sounds like your problem. Just be glad your AmEx card is registered. My CU CC isnt; and thus I have a 5K limit.
    Radster is offline  
    Old Aug 3, 2015, 5:28 am
      #9340  
     
    Join Date: May 2010
    Posts: 57
    On the new system, when I swipe my VGC, I am prompted for debit or credit? Has anybody hit the credit tab to see what happens?

    Last edited by Petalumatool; Aug 3, 2015 at 5:46 am
    Petalumatool is offline  
    Old Aug 3, 2015, 8:12 am
      #9341  
     
    Join Date: Jul 2009
    Location: SJC
    Programs: AA, AS, Marriott
    Posts: 6,056
    Originally Posted by Petalumatool
    On the new system, when I swipe my VGC, I am prompted for debit or credit? Has anybody hit the credit tab to see what happens?
    The credit button will cause the payment method to fail. I pressed credit by mistake yesterday on one of my debit loads. I don't know what it said on the cashier side, but the cashier was able to take me back to the payment screen so that I could press debit instead.
    Majuki is offline  
    Old Aug 3, 2015, 8:20 am
      #9342  
     
    Join Date: Mar 2009
    Posts: 2,293
    Originally Posted by LIH Prem
    they had access to k8, but still couldn't figure out how to do it at Maui Target. (and that was with the store manager at the CS desk).

    I don't know if there's some trick to doing it or if they have a different version of the new POS software or not.

    I wonder if I'm the only only one trying to reload at Maui Target.

    -David
    I believe it's K8 and then K8 again. The Target employees helping me were talking about it to me/themselves but it didn't mean much to me as I couldn't see the screen.
    danpeake is offline  
    Old Aug 3, 2015, 9:16 am
      #9343  
     
    Join Date: Oct 2010
    Location: BOS
    Posts: 814
    Originally Posted by Mamibear
    I've bought OVs and other variable vanillas at drugstores, especially WAG when they have a promo for less fees. IIRC, it says on the back of the packages that you can set any 4 digits as PIN so I always use my memorized PIN when I load them to RB at Target or Serve at FD.

    To answer you question on setting the PIN, you set it just once. Only when you don't drain the full amount in one transaction do you have to remember it for subsequent transactions; otherwise, if you load $500, enter PIN and you can either keep card or just throw it away.
    I suggest keeping the cards until you spend money on the RedCard or for at least a full month just in case there is some oddity with the loading or some sort of reversal and the funds end up back on the debit card
    xSTRIKEx6864 is offline  
    Old Aug 3, 2015, 11:42 am
      #9344  
     
    Join Date: Jan 2015
    Posts: 4
    There is this idiot who I saw brought a stack of gift cards (like 10-15) in a San Diego store and start reloading nonstop with Customer Service for like ten minutes, causing a huge line, and he acts like it's no big deal. This is how you quickly kill the MS process.
    ftiq1026 is offline  
    Old Aug 3, 2015, 12:05 pm
      #9345  
     
    Join Date: Apr 2015
    Posts: 81
    Originally Posted by ftiq1026
    There is this idiot who I saw brought a stack of gift cards (like 10-15) in a San Diego store and start reloading nonstop with Customer Service for like ten minutes, causing a huge line, and he acts like it's no big deal. This is how you quickly kill the MS process.
    the other day i did a 10 card load. i loaded 5 using the 500 each, then there was someone in line behind me. i said to the CSR that i would let him help the guy behind me and jumped back to the end of the line. then i loaded my 2nd card without any problems (and since the new terminals are so slow i did 1000 by 1000 splitting payments)

    We also have to factor that if a CSR is letting you load, it can be even more suspicious to "go around the store" and then come back to load again. Worse than that, maybe on your 2nd attempt you will get some CSR that wont allow you to load.

    Basically, it reminds me of my call to a Simon mall. WHen i asked if they had gift cards, the first thing the guy asks is "is it for points?". I was going to say yes, but he didnt wait for an answer and added "it is totally ok if it is for points, i just need to know so i can explain everything to you". I was very familiar with the process, but i let him do his talk. At the end we chatted a bit and he was telling how some people are very shady about it even though it is super common there.

    TLDR: being too "discrete" about things sometimes can bring more attention to it. i mean, some people just cant be discrete and when they try to we spot from a mile away
    uPantcho is offline  

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