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AmEx for Target: $400/week credit card ATM withdrawals for 1.3%+ in certain cities

AmEx for Target: $400/week credit card ATM withdrawals for 1.3%+ in certain cities

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Old Dec 7, 14, 10:52 am   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: weezl
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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).
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Old Jan 2, 13, 4:49 pm
  #196  
 
Join Date: Oct 2012
Posts: 958
Anyone have success loading with Citi Amex? I tried it but wouldn't load - was hoping since using Amex to load Amex, it might work. I know Cities is notorious for charging cash advance but sometimes they don't.

The Citi Amex is my most troublesome card to manufacturer spend. Guess have to buy gcs and do it that way...
farwest101 is offline  
Old Jan 2, 13, 8:01 pm
  #197  
 
Join Date: May 2003
Location: USA
Programs: None
Posts: 376
I just reloaded with Citi AA Amex... Reloaded AFT and bought some cereal in the same receipt. I had to guide the cashier step by step (I am now qualified to work at target - lol). I thought Citi was going to decline the transaction, but it went through. Cashier asked me what type of card AFT was since she had never seen it. Gave her a quick explanation and left the store. A minute later I got a txt from citi about the transaction...
Rojo is offline  
Old Jan 2, 13, 8:18 pm
  #198  
 
Join Date: Sep 2012
Location: LAX
Programs: AA EXP, HH Diamond
Posts: 294
Originally Posted by farwest101 View Post
Anyone have success loading with Citi Amex? I tried it but wouldn't load - was hoping since using Amex to load Amex, it might work. I know Cities is notorious for charging cash advance but sometimes they don't.

The Citi Amex is my most troublesome card to manufacturer spend. Guess have to buy gcs and do it that way...
I'm guessing it was probably a fraud alert trigger (declined purchase) rather than any issue with that card loading the Target AMEX.
StephenW is offline  
Old Jan 2, 13, 8:27 pm
  #199  
 
Join Date: May 2011
Location: Bay Area, CA
Programs: SPG, Hyatt Diamond Member, Club Calrson Silver, AA, Hilton Gold, BA
Posts: 463
Has anyone tried loading this with AMEX prepaid cards at target. not the Amex Gift Cards but AMEX prepaid cards that you find at Office Depot.

Thanks!!!
livestrongforever is offline  
Old Jan 2, 13, 9:08 pm
  #200  
 
Join Date: Apr 2005
Location: Dallas, TX
Posts: 442
Originally Posted by Rojo View Post
I just reloaded with Citi AA Amex... Reloaded AFT and bought some cereal in the same receipt. I had to guide the cashier step by step (I am now qualified to work at target - lol). I thought Citi was going to decline the transaction, but it went through. Cashier asked me what type of card AFT was since she had never seen it. Gave her a quick explanation and left the store. A minute later I got a txt from citi about the transaction...
Thanks for datapoint. Can you please confirm no cash advance?
ferrari_fan is offline  
Old Jan 2, 13, 10:42 pm
  #201  
 
Join Date: May 2003
Location: USA
Programs: None
Posts: 376
Last time I reloaded AFT with Citi AA Amex it posted as a Standard Purchase. This one is still pending transaction, but based on the previous one, it should post as a Standard Purchase. I hit the $2,500 spend requirement with this reload, so I will no longer use Citi AA Amex to reload AFT.
Rojo is offline  
Old Jan 3, 13, 6:41 pm
  #202  
 
Join Date: Jun 2005
Location: Sweet Home Chicago
Programs: AA Platinum, Hyatt Diamond, SPG Gold, Hilton Gold
Posts: 574
Denied today at both Walmart and USPS for purchases. Am a sad Panda.
MDWCommuter is offline  
Old Jan 3, 13, 7:23 pm
  #203  
 
Join Date: Apr 2005
Location: Dallas, TX
Posts: 442
Originally Posted by MDWCommuter View Post
Denied today at both Walmart and USPS for purchases. Am a sad Panda.
  • PIN for ATM only. No POS/MO loopholes sadly.
ferrari_fan is offline  
Old Jan 3, 13, 7:32 pm
  #204  
 
Join Date: Nov 2012
Posts: 657
prepaid loading

AMEX prepaid cards that you find at Office Depot work fine to load AFT, you can even use several at once to reach 1000 + 3 fee.
drdrew450 is offline  
Old Jan 4, 13, 1:46 am
  #205  
 
Join Date: Nov 2012
Posts: 102
Subscribed
marktelefono is offline  
Old Jan 4, 13, 3:04 am
  #206  
 
Join Date: Nov 2012
Location: HNL
Programs: AA Citi Visa and Amex, Citi AA Biz, SPG, Amex Green, Zync, Discover It (Starbucks Gold) HHonors Gold
Posts: 268
Originally Posted by ddallas View Post
Go at a time when it is not busy. You will have to answer a bunch of questions at the cashier. They gather the same info you would enter filling out a credit card application (Address, birthday, driver license, social security number, income, etc.) Folks standing behind you in line may begin giving heavy sighs especially if the clerk can't follow the prompts on the screen and has to call for help.
Wha! Wha! Whaat? Answer questions? Is this new? I've only ever purchased the AFT once and I loaded $150 unto it and this was probably back in October. I was never asked for Address, Birthday, DL etc. Is this a change of policy?
texasguy77 is offline  
Old Jan 4, 13, 8:07 am
  #207  
 
Join Date: Apr 2001
Location: Austin
Programs: AA P4L, WN, BA, DL, UA, HHonors, IHG
Posts: 3,383
Originally Posted by texasguy77 View Post
Wha! Wha! Whaat? Answer questions? Is this new? I've only ever purchased the AFT once and I loaded $150 unto it and this was probably back in October. I was never asked for Address, Birthday, DL etc. Is this a change of policy?
Here in Austin, I had to provide all that information at the register when I purchased the card a couple of months ago. Much of it was automatically pulled from my drivers license.
Middle_Seat is offline  
Old Jan 4, 13, 9:40 am
  #208  
Suspended
 
Join Date: Jun 2011
Posts: 639
Originally Posted by Middle_Seat View Post
Here in Austin, I had to provide all that information at the register when I purchased the card a couple of months ago. Much of it was automatically pulled from my drivers license.
I have 2 afts, both required dl and ss#, both done in last 75 days, I am in California.
member7777 is offline  
Old Jan 4, 13, 10:27 am
  #209  
 
Join Date: Oct 2011
Posts: 4,167
Can the cashier edit the info after it has been scanned from the license? My address isn't correct on my license and when I updated my license address online it just said to hand write my new address on the back. Not much help for card readers.
Superorb is offline  
Old Jan 4, 13, 2:06 pm
  #210  
jk2
 
Join Date: Dec 2010
Posts: 1,428
Originally Posted by Superorb View Post
Can the cashier edit the info after it has been scanned from the license? My address isn't correct on my license and when I updated my license address online it just said to hand write my new address on the back. Not much help for card readers.
yes, they can.
jk2 is offline  

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