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T-Mobile Visa Prepaid - Bluebird Competitor for MS! (May not load w/CC)

T-Mobile Visa Prepaid - Bluebird Competitor for MS! (May not load w/CC)

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Old Mar 10, 16, 6:38 pm   -   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: XP1
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Warning: The T-M website contains an apparent Bill Pay function. Attempting to use it to pay credit card bills, or probably any significant $ amount bills of any sort, will get your account frozen. Ditto large scale ATM or MO withdrawals. The one method of unloading likely to keep you under the radar is small scale WM BP. Also likely to get you shut down, according to consensus reports, is running much more than $5K a month thru your account. You ignore this advice at your own risk.

SUMMARY

1. FAQ's
2. Free to use for TMo customers.
3. Issued by Bancorp
4. Load at T-mobile store (Registers are HARD CODED not to accept anything other than cash.)
5. or Reloadit, (find a grocery store that sold reloadit cards with a cc)

List Stores hard coded for cash or Credit Card accepted
T-Mobile (cash only)
Home Depot (cash only, hard coded)
Harris Teeter - Bought with CC on 2/16/14, hard coded denied CC on 5 APR 2014
Winn-Dixie - Hard coded for cash (debit may work, untested) as of Oct-2015
Meijer (Cash/Debit including VGC)
Giant Eagle/GetGo (Cash, Debit including VGC )
Safeways/Vons/Pavilions in California - most only Cash
Food Lion - Manager override now required. Many stores cash or bank debit only, but registers are not hard coded.
Save-A-Lot: Hard coded cash only
BigY: At least some stores have gone cash only as of 1/8
Acme in PA: Hard-coded cash only (Source)

Note on ReloadIt Cards
These come in two main flavors, up to $500, and up to $950 (there are ones that go up to $50, too). Both are $3.95 load fee. The older grey cards, have CASH ONLY on them. Even if the cash register is coded to accept it, many cashiers will be hesitant to even try, or get shut down by manager.
The maximum value reload will be $2,500.00. There is no maximum number of times you may value reload your Card Account per day; however, the maximum dollar amount of value reloads you may make to your Card Account in one day is $2,500.00. We will accept direct deposits larger than $2,500.00, but any direct deposit value reloaded to your Card Account will count against the $2,500.00 daily limit.
Value Reload Fee: Each time you value reload $300.00 or more to your Card Account in a single transaction, you will receive a credit for any fee you paid. If you are a T-Mobile Wireless Customer and value reload your Card Account at a participating T-Mobile Wireless location, you will receive a refund at the register (and will pay no fee for your value reload). If you value reload your Card Account for $300.00 or more via another method, we will issue a credit to your Card Account in the amount of the fee you paid.

In practice, a ReloadIt >= $300 loaded via the safe will receive credit for the fee. However, the terms formally state "Please note: Value reloads made from Reloadit Packs that have been placed in the Program Managerís Reloadit `Safe' are not eligible for any fee credit." so this is not guaranteed.

The Limits:
Daily limit: $2500 during a rolling 24 hour period
Monthly limit: ?
Annual Limit: ?
Max Bill Pay (per transaction): = $5000 (tested March 6th, can do 'at least' a second for the same amount to the same payee momment later).
Daily ATM limit: $500 (rolling 24 hr rather than calendar day)

Total monthly bill pay limit: ?
The maximum value of your Card Account is restricted to $10,000.00

T-Mobile Prepaid Customer Service Email: [email protected]

If you need to escalate to the FDIC, Bancorp's registered FDIC# is 35444.
If you want to try to open an FDIC complaint or investigation you can send one in electronically at
http://www2.fdic.gov/IDASP/DIRSInfoRequest.asp

Alternative FDIC link to file complaint
https://www2.fdic.gov/starsmail/index.asp

FAQ
  • My fee did not get refunded. Has there been a policy change? ReloadIt Fees are processed overnight and could take 24 hours after you reload the card. As of 9/2015, ReloadIt cards added to the safe prior to loading on T-Mobile will still get the $3.95 refunded.
  • What is a safe transaction amount? There is no definite safe or unsafe amount. However, starting the last week of Jul 2015, people have been reporting the account frozen after transactions larger than $1K.
  • Can I use the BP Feature? It works well for some people. Many have reported getting shutdown after using it. A few have reported having the payments lost. Like all MS activity, use at your own risk.
  • Should I mix in some regular spending to make it look like this is my primary card? If it makes you feel better, go for it. However people who do this still get shutdown.
  • I can't log in. Did I get shutdown? Possibly. But more likely the website is having technical issues. Call in, o try to make a swipe purchase and test it out.
  • If I pay my taxes with this card, will I get shutdown? Large purchase raise red flags. Taxes are no different and there are reports of people being shut down for doing this.
  • What is a T-Mobile wireless customer? A qualifying T-Mobile wireless customer can be either a postpaid or prepaid customer. Source: http://www.flyertalk.com/forum/24790705-post3703.html
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Old Apr 25, 14, 6:48 am
  #1501  
 
Join Date: Aug 2013
Posts: 1,207
Originally Posted by nopoints View Post
You're right if I were to go the WM route -- just load BB directly there. I'd like to avoid WM
if at all possible.
To state the obvious, why dont you open a bank account with a local branch that does accept MOs? Everyone should have one anyway....even if they dont intend to use it much.
hamokmonky is offline  
Old Apr 25, 14, 7:25 am
  #1502  
 
Join Date: Sep 2011
Posts: 265
If I use this card for BP @ WM, will that be treated as PIN purchase or BP?
ramamosn is offline  
Old Apr 25, 14, 7:43 am
  #1503  
 
Join Date: Jul 2013
Posts: 1,034
Originally Posted by ramamosn View Post
If I use this card for BP @ WM, will that be treated as PIN purchase or BP?
Did you use your PIN? How does T-mobile billpay and walmart have anything to do with one another.
ibleed0range is offline  
Old Apr 25, 14, 7:47 am
  #1504  
 
Join Date: May 2011
Programs: US Airways Gold, Marriott Platinum, SW A List
Posts: 1,573
Originally Posted by ramamosn View Post
If I use this card for BP @ WM, will that be treated as PIN purchase or BP?
BP is a function through the T-Mobile Site.

Walmart BP is coded as a Walmart transaction.

So if you BP @ WM, it will look like a Retail Transaction.
heyeaglefn is offline  
Old Apr 25, 14, 8:46 am
  #1505  
 
Join Date: Sep 2011
Posts: 265
Originally Posted by heyeaglefn View Post
BP is a function through the T-Mobile Site.

Walmart BP is coded as a Walmart transaction.

So if you BP @ WM, it will look like a Retail Transaction.

Thank you.
ramamosn is offline  
Old Apr 26, 14, 4:21 am
  #1506  
 
Join Date: Apr 2014
Programs: Hyatt Globalist, Marriott Platinum, IHG Platinum
Posts: 45
Originally Posted by ericdabbs View Post
Only problem of using your Tmo card to load Serve/BB is that it cannibalizes an easy MS opportunity to load Serve/BB with VGCs. You can't do as much MS as you can if you use your Tmo card to load Serve/BB.
There's a free $1000 limit to load to BB online using a Debit card. This is a separate limit from the monthly $5000 that you use VR or GCs to load with. But has anyone loaded BB online with the T-mobile debit card, and didn't get flagged by BB?
sangkancilguru is offline  
Old Apr 26, 14, 2:21 pm
  #1507  
 
Join Date: Jul 2012
Location: Heaven
Posts: 552
account closed... 15k check on it's way
coolblues is offline  
Old Apr 26, 14, 2:52 pm
  #1508  
Suspended
 
Join Date: Mar 2013
Posts: 468
Not even a warning? What type of sizes were you putting through? All via bp?
ChuckMango is offline  
Old Apr 26, 14, 4:12 pm
  #1509  
 
Join Date: Jul 2012
Location: Heaven
Posts: 552
Originally Posted by ChuckMango View Post
Not even a warning? What type of sizes were you putting through? All via bp?

2 accounts both closed.. they were locked already due to BP'ing. Did a lot of 4k+ plus CC payments in last 2 months. They asked for the documents (that I sent) and then told me that the accounts would be closed and to expect 2 checks in 20 days (with 5.95 processing for each).

there was no regular spend mixed in so they knew what I was up to good while it lasted. I have anyways moved on to Univison's as they do get fuel points and are easier to unload.
coolblues is offline  
Old Apr 26, 14, 4:20 pm
  #1510  
 
Join Date: Dec 2013
Posts: 3,300
Originally Posted by coolblues View Post
account closed... 15k check on it's way
You built up $15K in your account before spending? What are you thinking?
ericdabbs is offline  
Old Apr 26, 14, 4:25 pm
  #1511  
 
Join Date: Feb 2014
Location: PHL
Posts: 930
Originally Posted by coolblues View Post
account closed... 15k check on it's way
How is that possible? I thought the account limit was $10,000.

EDIT: Never mind, saw your second post about two accounts...
commdiver is offline  
Old Apr 26, 14, 6:46 pm
  #1512  
 
Join Date: Aug 2008
Programs: AA EXP
Posts: 1,714
Originally Posted by coolblues View Post
They asked for the documents (that I sent) and then told me that the accounts would be closed and to expect 2 checks in 20 days (with 5.95 processing for each).
What documents did they want?
Stripy is offline  
Old Apr 26, 14, 8:33 pm
  #1513  
 
Join Date: May 2013
Location: Texas
Programs: AA, AS, DL
Posts: 111
Was charged a monthly fee on one of my accounts even though I loaded way more than $500 to it. Not sure if it worth calling their attention to my activity. Does anyone have the same problem?
myndreamland is offline  
Old Apr 26, 14, 8:47 pm
  #1514  
 
Join Date: Jun 2013
Posts: 297
Originally Posted by myndreamland View Post
Was charged a monthly fee on one of my accounts even though I loaded way more than $500 to it. Not sure if it worth calling their attention to my activity. Does anyone have the same problem?
See Post #1434
BigDawgFT is offline  
Old Apr 26, 14, 8:56 pm
  #1515  
 
Join Date: Jul 2012
Location: Heaven
Posts: 552
Originally Posted by ericdabbs View Post
You built up $15K in your account before spending? What are you thinking?
Read my other post... I did spend a lot and I don't mind the check
coolblues is offline  

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