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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 Jan 29, 14, 2:08 pm
  #151  
 
Join Date: Mar 2013
Posts: 48
Originally Posted by MsArbi View Post
My CR's are frozen, and I was able to sign up. If you're worried about hard pulls, use security freeze.
Prepaid cards never require a hard pull. A bank pulls a credit report when you apply for a credit card (or a loan). All our favorite prepaid products (BB, Serve, Netspend, etc.)ask for SSN for the money laundering reporting.
aleck71 is offline  
Old Jan 30, 14, 1:20 am
  #152  
 
Join Date: Aug 2011
Location: New Jersey
Programs: Delta P, SPG G, Marriott S, Hertz PC
Posts: 1,005
Had success using it, one time, buying reloadit, loading, then paying with bill pay.

Bill pay was quick and easy.

Tomorrow will be back for more.

I am NOT going to list the name of the store here, however if you are in the North East, you just need to STop & figure it out. =P
maksimfa is offline  
Old Jan 30, 14, 6:04 am
  #153  
 
Join Date: Nov 2008
Posts: 143
Was shot down at a few Cubs in MN. One cashier was willing to do it via CC, however she wasn't able to complete the transaction (hard coded as cash only?).
RedTeam10 is offline  
Old Jan 30, 14, 11:51 am
  #154  
 
Join Date: Jan 2008
Posts: 63
Originally Posted by maksimfa View Post
Had success using it, one time, buying reloadit, loading, then paying with bill pay.

Bill pay was quick and easy.

Tomorrow will be back for more.

I am NOT going to list the name of the store here, however if you are in the North East, you just need to STop & figure it out. =P
$950s or $500s? I've never seen the elusive $950 Reloadit in the wild. Maybe it's because everyone else is faster on the draw than I am.
rogue409 is offline  
Old Jan 30, 14, 12:39 pm
  #155  
 
Join Date: Aug 2011
Location: New Jersey
Programs: Delta P, SPG G, Marriott S, Hertz PC
Posts: 1,005
Originally Posted by rogue409 View Post
$950s or $500s? I've never seen the elusive $950 Reloadit in the wild. Maybe it's because everyone else is faster on the draw than I am.
$500.

I believe $950 are Home Depot only? which is 100% no go as far as I know.
maksimfa is offline  
Old Jan 30, 14, 2:49 pm
  #156  
 
Join Date: Jun 2013
Posts: 510
Suppose you're able to use a debit card to buy these reloadit cards, what will be your strategy? Use Visa Gift Cards to buy them or something else?
cowboyguy is offline  
Old Jan 30, 14, 8:42 pm
  #157  
 
Join Date: Oct 2012
Location: DFW
Posts: 476
Originally Posted by maksimfa View Post
$500.

I believe $950 are Home Depot only? which is 100% no go as far as I know.
Plenty $950 in Texas grocery store and some are CC friendly
spgbus is offline  
Old Jan 30, 14, 8:58 pm
  #158  
 
Join Date: Jun 2013
Posts: 297
New style Reloadit cards have arrived at Vawnz in So. Cal. And, . . . they do NOT say CASH only anywhere on the card. So, for the first time ever, I was able to buy a $950 with a CC. Hope it lasts.
BigDawgFT is offline  
Old Jan 30, 14, 9:02 pm
  #159  
 
Join Date: Oct 2013
Posts: 920
Originally Posted by BigDawgFT View Post
New style Reloadit cards have arrived at Vawnz in So. Cal. And, . . . they do NOT say CASH only anywhere on the card. So, for the first time ever, I was able to buy a $950 with a CC. Hope it lasts.
So it begins...
hitman1420 is offline  
Old Jan 30, 14, 9:05 pm
  #160  
 
Join Date: Nov 2008
Posts: 143
Originally Posted by hitman1420 View Post
So it begins...
And ends shortly If only I could find some in MN.
RedTeam10 is offline  
Old Jan 30, 14, 9:08 pm
  #161  
 
Join Date: Aug 2011
Location: New Jersey
Programs: Delta P, SPG G, Marriott S, Hertz PC
Posts: 1,005
Originally Posted by BigDawgFT View Post
New style Reloadit cards have arrived at Vawnz in So. Cal. And, . . . they do NOT say CASH only anywhere on the card. So, for the first time ever, I was able to buy a $950 with a CC. Hope it lasts.
Can you take a pic of the new cards?

what makes them "new"?
maksimfa is offline  
Old Jan 30, 14, 9:19 pm
  #162  
 
Join Date: Jun 2013
Posts: 297
Originally Posted by maksimfa View Post
Can you take a pic of the new cards?

what makes them "new"?
It's all in digital "black and white." See https://www.reloadit.com/
BigDawgFT is offline  
Old Jan 30, 14, 9:28 pm
  #163  
 
Join Date: Jul 2013
Posts: 120
Originally Posted by BigDawgFT View Post
New style Reloadit cards have arrived at Vawnz in So. Cal. And, . . . they do NOT say CASH only anywhere on the card. So, for the first time ever, I was able to buy a $950 with a CC. Hope it lasts.
Awesome. Thanks for the heads up!
babehwa is offline  
Old Jan 30, 14, 10:31 pm
  #164  
 
Join Date: Apr 2013
Location: The Empire State
Programs: CO (RIP), US (RIP), Amtrak. Lots of CC programs.
Posts: 442
Originally Posted by babehwa View Post
Awesome. Thanks for the heads up!
Nice! I'll be on the watch for them in this neck of the woods.
cuebert is offline  
Old Jan 30, 14, 10:50 pm
  #165  
 
Join Date: Jan 2014
Location: SEA
Posts: 40
Is Vawnz (Vons) same as Safeway in Northwest ?

Originally Posted by BigDawgFT View Post
New style Reloadit cards have arrived at Vawnz in So. Cal. And, . . . they do NOT say CASH only anywhere on the card. So, for the first time ever, I was able to buy a $950 with a CC. Hope it lasts.
kd1000 is offline  

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