Feb 8, 2014, 2:22 pm
Last edit by: weezl
please be aware the Target breach cards are currently on the black market, as always be aware of activity on all accounts
Purchase in store. Each store seems to have just one lane that has them on display (unlike the AMEX GC which are at most lanes). Package is larger than other gift cards, silver and red.
Not available in all states. Search here for possible locations
Note: Unlike AMEX's restriction on BB/Serve/Redbird where one person can only hold one of those, you can have an AFT (2, actually) while holding a BB, Serve, or Redbird
Need DL to purchase.
Max 1 purchase per ss# per day--this means one person can actually have 2 AFT cards, which is why there is a $5000 total limit for 2 cards (see below).
Max initial load $500 + $3 load fee.
May reload temp card as soon as verification of identity is complete, may take 48 hours. You can use an ATM with a temp card as soon as you're able to view your temp card PIN online. If you're unable to view your PIN online, you won't be able to use an ATM until you have the permanent card, which takes about two weeks.
Many stores now limit reloading to the service desk, and no longer at cashiers. The card must be swiped at a cash terminal to reload, not scanned! Ask cashiers to try if they don't seem to recognize the card. Ask if loading at service desk is a policy, it might just be a knee-jerk response from cashiers that don't know about the card. I have been told that a few times, "You need to go to the Service Desk," it has never been true. Say please and thank you.
Limits & Fees
Loading
Codes as purchase on all cards.
Load fee $3
Max $1000 per card in 24 hour period.
Max $5000 total for both cards per 28 day rolling period.
May load any card *until* balance is $2500 for 28 day period (not *up to*)
System will allow a $1000 load on a card with a $2000 balance so long as you are under $5000 for all cards over 28 day period. See below for optimal load sequence, $15/$5k a month after 1st month and $15k in 65 days for new cards.
Unload via ATM
Max $400/card/day (resets sometime in the wee hours of the morning)
First ATM w/d per month per card is free, based on 1st of the month (not rolling)+ any ATM owner fee.
Additional ATM w/d fee $3 + ATM fee.
When asked 'from account' choose 'checking.'
Possibly helpful link:
Free and Low-Cost ATMs
Unload by purchases
No fee. No cash back.
Additional information
Optimal load pattern for least number of $3 fees after first $500 load is $3k/$2k.
New accounts can load $15k in 65 days. 4 trips in a week for new cards, 3 in a week once a month after that.
Load always means load $1000. 28 day load total in parenthesis. 'Dropped' means that load is past the 28 day mark.
Day 1: Purchase card #1, load $500
Day 3: Purchase card #2, load $500; Load card #1 ($1500)
Day 5: load card #1 ($2500); load card #2 ($1500)
Day 7: load card #2 ($2500)
*********************************wait************
Day 29: ($2000)($2500) day 1 dropped
Day 31: ($1000)($2000) day 3 dropped
Day 32: load card #1 ($2000) ; load card #2 ($3000)
Day 33: ($1000)($2000) day 5 dropped
Day 34: load card #1 ($2000); load card #2 ($3000)
Day 35: ($2000) ($2000) day 7 dropped
Day 36: load card #1 ($3000), ($2000)
*********************************wait************
Day 61: load both cards, day 32 dropped
Day 63: load both cards
Day 65: load one card.
Repeat Loads waiting 29 days between loads, if you loaded both cards 29 days ago load both now, if you loaded one card, load one now. So next load date is 61+29= Day 90
FAQ
Q: Will this show up as a CA?
A: No, Target is not a financial institution.
Q: Even with xxxx cards?
A: Yes, no cards will be charged a CA.
Q: Can I load with Visa/MC/Amex Gift Cards?
A: Yes. Also the balance can be detected and drained if you ask to load more than the value on a prepaid it will just prompt you to give a second payment form. Great for draining random balances.
Q: How about Target gift cards?
A: The register prompts not to allow Target gift cards. They may not be hard coded, though.
Q: Will I get 5% off if I load with a Target Red card?
A: No. Sorry, I wish.
Q: Can I load multiple cards in one transaction?
A: Yes. Up to 3 cards can be loaded in one transaction, but each card will be charged $3.
Q: Why load multiple accounts in one transaction?
A: to avoid multiple $1003 transactions on same CC in minutes. This may trigger a fraud alert.
Q:Is there a max number of payment swipes?
A: Yes. Maximum swipes for split payments is 7, though other users have reported being able to swipe at least 10 gift cards for payment without problems.
Q: Any reason not to load multiple cards in one transaction?
A: Yes, when you have multiple small value gift cards to unload because of 7 swipe limit.
Q: The title says withdrawals are 1.3%, is that true?
A: No. Do the math. I'm not very good at math. Under 1.3% includes Costco ATM fees. It is not possible to edit a thread title, the fees are lower due to the ATM limit now being $400.
Q: What are the lowest possible fees with a fee-free ATM available?
A: For 2 cards, each loaded with $2.5K each over 2 months ($10K in total), you would pay $30 in loading fees (10 load fees of $3 each) and $63 in ATM fees (25 total withdrawals, with 1 free withdrawal per card each month, resulting in 21 ATM fees of $3 each).
Official fund loading from T&C
You may load funds to your Cards using your Funding Source until the Available Funds on any Card purchased by you equals $2,500 and on all card purchased by you equals $5,000... Not more than $1,000 may be loaded to any Card purchased by you in a 24 hour period using your Funding Source, not more than $5,000 may be loaded to all Cards purchased by you in any 28-day period using your Funding Source.
IMPORTANT MESSAGE IF YOU LOADED YOUR PREPAID CARD AT TARGET DURING THE CHRISTMAS SECURITY BREACH: It is important to have AMEX reissue your cards (just phone the number on the card and ask for a new card). Thieves have the numbers and pins and can drain your account at any time. AMEX does not appear to be using software to block suspicious activity, so they can drain it all. If you loaded your prepaid card at Target between November 27 and December 15, 2013, you are at significant risk of having your money stolen (several reported cases in April and May).
Purchase in store. Each store seems to have just one lane that has them on display (unlike the AMEX GC which are at most lanes). Package is larger than other gift cards, silver and red.
Not available in all states. Search here for possible locations
Note: Unlike AMEX's restriction on BB/Serve/Redbird where one person can only hold one of those, you can have an AFT (2, actually) while holding a BB, Serve, or Redbird
Need DL to purchase.
Max 1 purchase per ss# per day--this means one person can actually have 2 AFT cards, which is why there is a $5000 total limit for 2 cards (see below).
Max initial load $500 + $3 load fee.
May reload temp card as soon as verification of identity is complete, may take 48 hours. You can use an ATM with a temp card as soon as you're able to view your temp card PIN online. If you're unable to view your PIN online, you won't be able to use an ATM until you have the permanent card, which takes about two weeks.
Many stores now limit reloading to the service desk, and no longer at cashiers. The card must be swiped at a cash terminal to reload, not scanned! Ask cashiers to try if they don't seem to recognize the card. Ask if loading at service desk is a policy, it might just be a knee-jerk response from cashiers that don't know about the card. I have been told that a few times, "You need to go to the Service Desk," it has never been true. Say please and thank you.
Limits & Fees
Loading
Codes as purchase on all cards.
Load fee $3
Max $1000 per card in 24 hour period.
Max $5000 total for both cards per 28 day rolling period.
May load any card *until* balance is $2500 for 28 day period (not *up to*)
System will allow a $1000 load on a card with a $2000 balance so long as you are under $5000 for all cards over 28 day period. See below for optimal load sequence, $15/$5k a month after 1st month and $15k in 65 days for new cards.
Unload via ATM
Max $400/card/day (resets sometime in the wee hours of the morning)
First ATM w/d per month per card is free, based on 1st of the month (not rolling)+ any ATM owner fee.
Additional ATM w/d fee $3 + ATM fee.
When asked 'from account' choose 'checking.'
Possibly helpful link:
Free and Low-Cost ATMs
Unload by purchases
No fee. No cash back.
Additional information
Optimal load pattern for least number of $3 fees after first $500 load is $3k/$2k.
New accounts can load $15k in 65 days. 4 trips in a week for new cards, 3 in a week once a month after that.
Load always means load $1000. 28 day load total in parenthesis. 'Dropped' means that load is past the 28 day mark.
Day 1: Purchase card #1, load $500
Day 3: Purchase card #2, load $500; Load card #1 ($1500)
Day 5: load card #1 ($2500); load card #2 ($1500)
Day 7: load card #2 ($2500)
*********************************wait************
Day 29: ($2000)($2500) day 1 dropped
Day 31: ($1000)($2000) day 3 dropped
Day 32: load card #1 ($2000) ; load card #2 ($3000)
Day 33: ($1000)($2000) day 5 dropped
Day 34: load card #1 ($2000); load card #2 ($3000)
Day 35: ($2000) ($2000) day 7 dropped
Day 36: load card #1 ($3000), ($2000)
*********************************wait************
Day 61: load both cards, day 32 dropped
Day 63: load both cards
Day 65: load one card.
Repeat Loads waiting 29 days between loads, if you loaded both cards 29 days ago load both now, if you loaded one card, load one now. So next load date is 61+29= Day 90
FAQ
Q: Will this show up as a CA?
A: No, Target is not a financial institution.
Q: Even with xxxx cards?
A: Yes, no cards will be charged a CA.
Q: Can I load with Visa/MC/Amex Gift Cards?
A: Yes. Also the balance can be detected and drained if you ask to load more than the value on a prepaid it will just prompt you to give a second payment form. Great for draining random balances.
Q: How about Target gift cards?
A: The register prompts not to allow Target gift cards. They may not be hard coded, though.
Q: Will I get 5% off if I load with a Target Red card?
A: No. Sorry, I wish.
Q: Can I load multiple cards in one transaction?
A: Yes. Up to 3 cards can be loaded in one transaction, but each card will be charged $3.
Q: Why load multiple accounts in one transaction?
A: to avoid multiple $1003 transactions on same CC in minutes. This may trigger a fraud alert.
Q:Is there a max number of payment swipes?
A: Yes. Maximum swipes for split payments is 7, though other users have reported being able to swipe at least 10 gift cards for payment without problems.
Q: Any reason not to load multiple cards in one transaction?
A: Yes, when you have multiple small value gift cards to unload because of 7 swipe limit.
Q: The title says withdrawals are 1.3%, is that true?
A: No. Do the math. I'm not very good at math. Under 1.3% includes Costco ATM fees. It is not possible to edit a thread title, the fees are lower due to the ATM limit now being $400.
Q: What are the lowest possible fees with a fee-free ATM available?
A: For 2 cards, each loaded with $2.5K each over 2 months ($10K in total), you would pay $30 in loading fees (10 load fees of $3 each) and $63 in ATM fees (25 total withdrawals, with 1 free withdrawal per card each month, resulting in 21 ATM fees of $3 each).
Official fund loading from T&C
You may load funds to your Cards using your Funding Source until the Available Funds on any Card purchased by you equals $2,500 and on all card purchased by you equals $5,000... Not more than $1,000 may be loaded to any Card purchased by you in a 24 hour period using your Funding Source, not more than $5,000 may be loaded to all Cards purchased by you in any 28-day period using your Funding Source.
IMPORTANT MESSAGE IF YOU LOADED YOUR PREPAID CARD AT TARGET DURING THE CHRISTMAS SECURITY BREACH: It is important to have AMEX reissue your cards (just phone the number on the card and ask for a new card). Thieves have the numbers and pins and can drain your account at any time. AMEX does not appear to be using software to block suspicious activity, so they can drain it all. If you loaded your prepaid card at Target between November 27 and December 15, 2013, you are at significant risk of having your money stolen (several reported cases in April and May).
AmEx for Target: $400/week credit card ATM withdrawals for 1.3%+ in certain cities
Apr 7, 2014, 7:47 am
#1486
Join Date: Jan 2012
Posts: 757
Why do you care? It would pull the 1003 off the card, and you'd have 997 left on the AGC. The next time you load it would drain the remaining 997 and prompt you to pay $6 (assuming a 1k load).
Apr 7, 2014, 11:06 am
#1487
Join Date: Feb 2014
Posts: 908
I will try to by an AFT later today. This will be the 3rd try with my New Citi Hilton Reserve. I was already declined and had to call the fraud dept twice. Both times were 503.00. I will try for 503.00 one more time. If that doesn't work, then 497.00 next time.
Also the part about the cashier or manager not knowing how to load the card is true. I went to one target, nobody knew what it was. Even a manager that has been there for 3 decades.
I think stores that has a lot of them in stock would know how to do load them, and they do not need a special register. I just went to any register.
Also the part about the cashier or manager not knowing how to load the card is true. I went to one target, nobody knew what it was. Even a manager that has been there for 3 decades.
I think stores that has a lot of them in stock would know how to do load them, and they do not need a special register. I just went to any register.
Apr 7, 2014, 12:03 pm
#1488
Join Date: Jan 2012
Posts: 267
I will try to by an AFT later today. This will be the 3rd try with my New Citi Hilton Reserve. I was already declined and had to call the fraud dept twice. Both times were 503.00. I will try for 503.00 one more time. If that doesn't work, then 497.00 next time.
Also the part about the cashier or manager not knowing how to load the card is true. I went to one target, nobody knew what it was. Even a manager that has been there for 3 decades.
I think stores that has a lot of them in stock would know how to do load them, and they do not need a special register. I just went to any register.
Also the part about the cashier or manager not knowing how to load the card is true. I went to one target, nobody knew what it was. Even a manager that has been there for 3 decades.
I think stores that has a lot of them in stock would know how to do load them, and they do not need a special register. I just went to any register.
Apr 7, 2014, 1:55 pm
#1489
Join Date: Jun 2013
Location: COS
Programs: DL DM, Hyatt Diamond
Posts: 97
Just thought I would throw in my story on here. My wife went in to load 1K on her card. She didn't realize you couldn't use a Target gift(it was her first time loading after the initial purchase) the guy told her she couldn't use it but said he would waive the load fee for her. I don't know if anyone else has ran in to this but this one was one of those things I figured was just automatic and couldn't be waved.
Apr 7, 2014, 10:22 pm
#1491
Join Date: Apr 2012
Posts: 14
thanks for all the help!
Thank you to whoever wrote the great wiki and to all who contributed their expertise.
Also, thank you to the person who suggested looking for a fee free ATM - yes! And it's near my Target.
Regarding finding a Target thAt carries AFT, their website has listings of store by state. It's not very well laid out, but a little time with Google maps and you hopefully can find one close by. It's better than driving around b/c even if you know they're supposed to be there, they're still hard to find.
This is definitely more work than VR from my CVS a mile from my house but I had just got some new cards needing min spend.
The other downside is that I feel guilty now for not visiting the CVS cashiers I used to chat with regularly, haha. I was kind of like Norm in Cheers.
Also, thank you to the person who suggested looking for a fee free ATM - yes! And it's near my Target.
Regarding finding a Target thAt carries AFT, their website has listings of store by state. It's not very well laid out, but a little time with Google maps and you hopefully can find one close by. It's better than driving around b/c even if you know they're supposed to be there, they're still hard to find.
This is definitely more work than VR from my CVS a mile from my house but I had just got some new cards needing min spend.
The other downside is that I feel guilty now for not visiting the CVS cashiers I used to chat with regularly, haha. I was kind of like Norm in Cheers.
Apr 7, 2014, 10:41 pm
#1492
Join Date: Nov 2012
Posts: 657
Thank you to whoever wrote the great wiki and to all who contributed their expertise.
Also, thank you to the person who suggested looking for a fee free ATM - yes! And it's near my Target.
Regarding finding a Target thAt carries AFT, their website has listings of store by state. It's not very well laid out, but a little time with Google maps and you hopefully can find one close by. It's better than driving around b/c even if you know they're supposed to be there, they're still hard to find.
This is definitely more work than VR from my CVS a mile from my house but I had just got some new cards needing min spend.
The other downside is that I feel guilty now for not visiting the CVS cashiers I used to chat with regularly, haha. I was kind of like Norm in Cheers.
Also, thank you to the person who suggested looking for a fee free ATM - yes! And it's near my Target.
Regarding finding a Target thAt carries AFT, their website has listings of store by state. It's not very well laid out, but a little time with Google maps and you hopefully can find one close by. It's better than driving around b/c even if you know they're supposed to be there, they're still hard to find.
This is definitely more work than VR from my CVS a mile from my house but I had just got some new cards needing min spend.
The other downside is that I feel guilty now for not visiting the CVS cashiers I used to chat with regularly, haha. I was kind of like Norm in Cheers.
15<3.95x4 (CVS VRx4)
I did plenty of VR buying at CVS for 5x but I kept the costs down on my AFTs
Apr 8, 2014, 6:38 am
#1493
Join Date: Feb 2014
Posts: 148
cheaper for me than VR, assuming 1x at CVS. I would do 5 withdrawls over two months. I have wawa gas stations that offer free atm withdrawls. so 2 free, leaves 3x3=9, loads cost 2x3=6, 9+6=15
15<3.95x4 (CVS VRx4)
I did plenty of VR buying at CVS for 5x but I kept the costs down on my AFTs
15<3.95x4 (CVS VRx4)
I did plenty of VR buying at CVS for 5x but I kept the costs down on my AFTs
Apr 8, 2014, 12:23 pm
#1495
Join Date: Oct 2012
Location: SAN
Posts: 487
SoCal loaded with AFTs..... convenient that I live 2 minutes walking from a target here!! CCs see a bunch of target charges, so not strange to issuers that I get some big spends there also.
AFT with AP is great for the ultra conservative Mser.
AFT with AP is great for the ultra conservative Mser.
Apr 8, 2014, 6:32 pm
#1496
Join Date: Nov 2013
Location: Sacramento, CA
Posts: 437
Just thought I would throw in my story on here. My wife went in to load 1K on her card. She didn't realize you couldn't use a Target gift(it was her first time loading after the initial purchase) the guy told her she couldn't use it but said he would waive the load fee for her. I don't know if anyone else has ran in to this but this one was one of those things I figured was just automatic and couldn't be waved.
Apr 8, 2014, 7:01 pm
#1497
Join Date: Feb 2007
Posts: 647
Does this:
Day 1: Purchase card #1, load $500
Day 3: Purchase card #2, load $500; Load card #1 ($1500)
Day 5: load card #1 ($2500); load card #2 ($1500)
Day 7: load card #2 ($2500)
Mean this:
Day 1: Purchase card #1, load $500 (Bal $500) ($3 fee)
Day 3: Purchase card #2, load $500 (Bal $500); load $1000 to Card #1 (balance $1500) ($3+$3 fee)
Day 5: Load Card #1 $1000 (Bal $2500); Load Card #2 $100 (balance $1500) ($3+$3 fee)
Day 7: Load $1000 Card #2 (Bal $2500) ($3 fee)
2 Cards - $5000 MAX AMOUNT in 7 days; paid $18 in fees to load, 4 trips to Target
Okay..
Does this:
Unload via ATM
Max $400/card/day
First ATM w/d per month per card is free, based on 1st of the month (not rolling)+ any ATM owner fee.
Additional ATM w/d fee $3 + ATM fee.
Mean this:
First withdrawal Free plus (Lets use Costco $2 fee for ATM):
Starting Balance $5000
-$400 ($2 fee) (Bal $4598)(Yours $400)
-$400+$3 Fee+$2 Fee ($405) (Balance $4193)(Yours $800)
-$400+$3 Fee+$2 Fee ($405) (Balance $3788)(Yours $1200)
-$400+$3 Fee+$2 Fee ($405) (Balance $3388)(Yours $1600)
-$400+$3 Fee+$2 Fee ($405) (Balance $2983)(Yours $2000)
-$400+$3 Fee+$2 Fee ($405) (Balance $2578)(Yours $2400)
-$400+$3 Fee+$2 Fee ($405) (Balance $2173)(Yours $2800)
-$400+$3 Fee+$2 Fee ($405) (Balance $1768)(Yours $3200)
-$400+$3 Fee+$2 Fee ($405) (Balance $1363)(Yours $3600)
-$400+$3 Fee+$2 Fee ($405) (Balance $958)(Yours $4000)
-$400+$3 Fee+$2 Fee ($405) (Balance $648)(Yours $4400)
-$400+$3 Fee+$2 Fee ($405) (Balance $148)(Yours $4800)
-$243+$3 Fee+$2 Fee ($243) (Balance $0)(Yours $4943)
Total Fee for 5K = $18 to load + $57 to unload = $75
Day 1: Purchase card #1, load $500
Day 3: Purchase card #2, load $500; Load card #1 ($1500)
Day 5: load card #1 ($2500); load card #2 ($1500)
Day 7: load card #2 ($2500)
Mean this:
Day 1: Purchase card #1, load $500 (Bal $500) ($3 fee)
Day 3: Purchase card #2, load $500 (Bal $500); load $1000 to Card #1 (balance $1500) ($3+$3 fee)
Day 5: Load Card #1 $1000 (Bal $2500); Load Card #2 $100 (balance $1500) ($3+$3 fee)
Day 7: Load $1000 Card #2 (Bal $2500) ($3 fee)
2 Cards - $5000 MAX AMOUNT in 7 days; paid $18 in fees to load, 4 trips to Target
Okay..
Does this:
Unload via ATM
Max $400/card/day
First ATM w/d per month per card is free, based on 1st of the month (not rolling)+ any ATM owner fee.
Additional ATM w/d fee $3 + ATM fee.
Mean this:
First withdrawal Free plus (Lets use Costco $2 fee for ATM):
Starting Balance $5000
-$400 ($2 fee) (Bal $4598)(Yours $400)
-$400+$3 Fee+$2 Fee ($405) (Balance $4193)(Yours $800)
-$400+$3 Fee+$2 Fee ($405) (Balance $3788)(Yours $1200)
-$400+$3 Fee+$2 Fee ($405) (Balance $3388)(Yours $1600)
-$400+$3 Fee+$2 Fee ($405) (Balance $2983)(Yours $2000)
-$400+$3 Fee+$2 Fee ($405) (Balance $2578)(Yours $2400)
-$400+$3 Fee+$2 Fee ($405) (Balance $2173)(Yours $2800)
-$400+$3 Fee+$2 Fee ($405) (Balance $1768)(Yours $3200)
-$400+$3 Fee+$2 Fee ($405) (Balance $1363)(Yours $3600)
-$400+$3 Fee+$2 Fee ($405) (Balance $958)(Yours $4000)
-$400+$3 Fee+$2 Fee ($405) (Balance $648)(Yours $4400)
-$400+$3 Fee+$2 Fee ($405) (Balance $148)(Yours $4800)
-$243+$3 Fee+$2 Fee ($243) (Balance $0)(Yours $4943)
Total Fee for 5K = $18 to load + $57 to unload = $75
Last edited by kingrat; Apr 8, 2014 at 7:18 pm
Apr 8, 2014, 7:05 pm
#1498
Join Date: Mar 2013
Location: PHL based
Programs: USAir, UA, AA, BA, Hyatt, HHonors, SPG, Marriott, IHG
Posts: 356
Does this:
Day 1: Purchase card #1, load $500
Day 3: Purchase card #2, load $500; Load card #1 ($1500)
Day 5: load card #1 ($2500); load card #2 ($1500)
Day 7: load card #2 ($2500)
Mean this:
Day 1: Purchase card #1, load $500 (Bal $500) ($3 fee)
Day 3: Purchase card #2, load $500 (Bal $500); load $1000 to Card #1 (balance $1500) ($3+$3 fee)
Day 5: Load Card #1 $1000 (Bal $2500); Load Card #2 $100 (balance $1500) ($3+$3 fee)
Day 7: Load $1000 Card #2 (Bal $2500) ($3 fee)
2 Cards - $5000 MAX AMOUNT in 7 days; paid $18 in fees to load, 4 trips to Target
Day 1: Purchase card #1, load $500
Day 3: Purchase card #2, load $500; Load card #1 ($1500)
Day 5: load card #1 ($2500); load card #2 ($1500)
Day 7: load card #2 ($2500)
Mean this:
Day 1: Purchase card #1, load $500 (Bal $500) ($3 fee)
Day 3: Purchase card #2, load $500 (Bal $500); load $1000 to Card #1 (balance $1500) ($3+$3 fee)
Day 5: Load Card #1 $1000 (Bal $2500); Load Card #2 $100 (balance $1500) ($3+$3 fee)
Day 7: Load $1000 Card #2 (Bal $2500) ($3 fee)
2 Cards - $5000 MAX AMOUNT in 7 days; paid $18 in fees to load, 4 trips to Target
Apr 8, 2014, 7:21 pm
#1499
Join Date: Feb 2007
Posts: 647
5K = $75 so 60k points on delta would = $900 spend...
Apr 8, 2014, 7:21 pm
#1500
Join Date: Feb 2007
Posts: 647
Does this:
Day 1: Purchase card #1, load $500
Day 3: Purchase card #2, load $500; Load card #1 ($1500)
Day 5: load card #1 ($2500); load card #2 ($1500)
Day 7: load card #2 ($2500)
Mean this:
Day 1: Purchase card #1, load $500 (Bal $500) ($3 fee)
Day 3: Purchase card #2, load $500 (Bal $500); load $1000 to Card #1 (balance $1500) ($3+$3 fee)
Day 5: Load Card #1 $1000 (Bal $2500); Load Card #2 $100 (balance $1500) ($3+$3 fee)
Day 7: Load $1000 Card #2 (Bal $2500) ($3 fee)
2 Cards - $5000 MAX AMOUNT in 7 days; paid $18 in fees to load, 4 trips to Target
Okay..
Does this:
Unload via ATM
Max $400/card/day
First ATM w/d per month per card is free, based on 1st of the month (not rolling)+ any ATM owner fee.
Additional ATM w/d fee $3 + ATM fee.
Mean this:
First withdrawal Free plus (Lets use Costco $2 fee for ATM):
Starting Balance $5000
-$400 ($2 fee) (Bal $4598)(Yours $400)
-$400+$3 Fee+$2 Fee ($405) (Balance $4193)(Yours $800)
-$400+$3 Fee+$2 Fee ($405) (Balance $3788)(Yours $1200)
-$400+$3 Fee+$2 Fee ($405) (Balance $3388)(Yours $1600)
-$400+$3 Fee+$2 Fee ($405) (Balance $2983)(Yours $2000)
-$400+$3 Fee+$2 Fee ($405) (Balance $2578)(Yours $2400)
-$400+$3 Fee+$2 Fee ($405) (Balance $2173)(Yours $2800)
-$400+$3 Fee+$2 Fee ($405) (Balance $1768)(Yours $3200)
-$400+$3 Fee+$2 Fee ($405) (Balance $1363)(Yours $3600)
-$400+$3 Fee+$2 Fee ($405) (Balance $958)(Yours $4000)
-$400+$3 Fee+$2 Fee ($405) (Balance $648)(Yours $4400)
-$400+$3 Fee+$2 Fee ($405) (Balance $148)(Yours $4800)
-$243+$3 Fee+$2 Fee ($243) (Balance $0)(Yours $4943)
Total Fee for 5K = $18 to load + $57 to unload = $75
Day 1: Purchase card #1, load $500
Day 3: Purchase card #2, load $500; Load card #1 ($1500)
Day 5: load card #1 ($2500); load card #2 ($1500)
Day 7: load card #2 ($2500)
Mean this:
Day 1: Purchase card #1, load $500 (Bal $500) ($3 fee)
Day 3: Purchase card #2, load $500 (Bal $500); load $1000 to Card #1 (balance $1500) ($3+$3 fee)
Day 5: Load Card #1 $1000 (Bal $2500); Load Card #2 $100 (balance $1500) ($3+$3 fee)
Day 7: Load $1000 Card #2 (Bal $2500) ($3 fee)
2 Cards - $5000 MAX AMOUNT in 7 days; paid $18 in fees to load, 4 trips to Target
Okay..
Does this:
Unload via ATM
Max $400/card/day
First ATM w/d per month per card is free, based on 1st of the month (not rolling)+ any ATM owner fee.
Additional ATM w/d fee $3 + ATM fee.
Mean this:
First withdrawal Free plus (Lets use Costco $2 fee for ATM):
Starting Balance $5000
-$400 ($2 fee) (Bal $4598)(Yours $400)
-$400+$3 Fee+$2 Fee ($405) (Balance $4193)(Yours $800)
-$400+$3 Fee+$2 Fee ($405) (Balance $3788)(Yours $1200)
-$400+$3 Fee+$2 Fee ($405) (Balance $3388)(Yours $1600)
-$400+$3 Fee+$2 Fee ($405) (Balance $2983)(Yours $2000)
-$400+$3 Fee+$2 Fee ($405) (Balance $2578)(Yours $2400)
-$400+$3 Fee+$2 Fee ($405) (Balance $2173)(Yours $2800)
-$400+$3 Fee+$2 Fee ($405) (Balance $1768)(Yours $3200)
-$400+$3 Fee+$2 Fee ($405) (Balance $1363)(Yours $3600)
-$400+$3 Fee+$2 Fee ($405) (Balance $958)(Yours $4000)
-$400+$3 Fee+$2 Fee ($405) (Balance $648)(Yours $4400)
-$400+$3 Fee+$2 Fee ($405) (Balance $148)(Yours $4800)
-$243+$3 Fee+$2 Fee ($243) (Balance $0)(Yours $4943)
Total Fee for 5K = $18 to load + $57 to unload = $75
Last edited by kingrat; Apr 8, 2014 at 7:34 pm