Jan 22, 2014, 3:27 pm
Last edit by: XP1
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 Manager’s 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
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 Manager’s 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
T-Mobile Visa Prepaid - Bluebird Competitor for MS! (May not load w/CC)
Jan 30, 2014, 11:54 pm
#167
Join Date: Jun 2013
Posts: 510
My Reloadit Story:
So after learning above that an FTer was able to get the new reloadit card on a CC, I decided to go to the local grocery store. Before going there, I called the store and asked the CSR if I'm allowed to use a CC to buy reloadit. The CSR put my call on hold for a few minutes and then told me that as soon as it is a valid Visa or Master card, I can use it. But I can't use a reloadit card to buy a reloadit card. I was like ok I'll be right there.
It was 11 pm and there wasn't even a single car on the roads. Suddenly, a cop pulled me over. I was overspeeding. On a road of max 35 mph, I was hitting 50 mph. Congratulations to me, I got a $130 tickets. I was like I better get those effing cards to make up for the ticket.
Anyway I reached the store and tried to find the new cards but in vain. Then I took the usual reloadit cards (6 of them) to the cashier. Before I said anything, the cashier said they are cash only. I was like I just talked to this cashier named xxx (call him John) and he said I can use a card to buy these. The cashier called John. John initially said yes you can use a CC to buy these but later when he realized I was loading 500 into each card, he said that the store policy is $200 max on the CC and the rest by cash. I was like oh man I drove 10 miles only bcoz you said I can use a CC... can you please do it on a one-time courtesy. I suggested him to try at least... if the transaction goes through, great... if not then no issues. He said ok. The cashier swiped the cards and Congratulations, all went through successfully. John was in kind of a puzzle to see this bcoz he wasn't expecting the cards will go through. Anyway he took my ID and made a copy of it along with the receipts. He also took my phone number. I was like please feel free to give me a call in case you guys have any questions. I buy these all the time and I'm pretty experienced with them.
Lesson of the story:
Now we know at least that although reloadits would say cash only, they aren't necessarily hard coded in many of the systems to use cash only.
P.S: Second lesson is, don't overspeed.
So after learning above that an FTer was able to get the new reloadit card on a CC, I decided to go to the local grocery store. Before going there, I called the store and asked the CSR if I'm allowed to use a CC to buy reloadit. The CSR put my call on hold for a few minutes and then told me that as soon as it is a valid Visa or Master card, I can use it. But I can't use a reloadit card to buy a reloadit card. I was like ok I'll be right there.
It was 11 pm and there wasn't even a single car on the roads. Suddenly, a cop pulled me over. I was overspeeding. On a road of max 35 mph, I was hitting 50 mph. Congratulations to me, I got a $130 tickets. I was like I better get those effing cards to make up for the ticket.
Anyway I reached the store and tried to find the new cards but in vain. Then I took the usual reloadit cards (6 of them) to the cashier. Before I said anything, the cashier said they are cash only. I was like I just talked to this cashier named xxx (call him John) and he said I can use a card to buy these. The cashier called John. John initially said yes you can use a CC to buy these but later when he realized I was loading 500 into each card, he said that the store policy is $200 max on the CC and the rest by cash. I was like oh man I drove 10 miles only bcoz you said I can use a CC... can you please do it on a one-time courtesy. I suggested him to try at least... if the transaction goes through, great... if not then no issues. He said ok. The cashier swiped the cards and Congratulations, all went through successfully. John was in kind of a puzzle to see this bcoz he wasn't expecting the cards will go through. Anyway he took my ID and made a copy of it along with the receipts. He also took my phone number. I was like please feel free to give me a call in case you guys have any questions. I buy these all the time and I'm pretty experienced with them.
Lesson of the story:
Now we know at least that although reloadits would say cash only, they aren't necessarily hard coded in many of the systems to use cash only.
P.S: Second lesson is, don't overspeed.
Jan 31, 2014, 3:57 am
#169
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
My Reloadit Story:
So after learning above that an FTer was able to get the new reloadit card on a CC, I decided to go to the local grocery store. Before going there, I called the store and asked the CSR if I'm allowed to use a CC to buy reloadit. The CSR put my call on hold for a few minutes and then told me that as soon as it is a valid Visa or Master card, I can use it. But I can't use a reloadit card to buy a reloadit card. I was like ok I'll be right there.
It was 11 pm and there wasn't even a single car on the roads. Suddenly, a cop pulled me over. I was overspeeding. On a road of max 35 mph, I was hitting 50 mph. Congratulations to me, I got a $130 tickets. I was like I better get those effing cards to make up for the ticket.
Anyway I reached the store and tried to find the new cards but in vain. Then I took the usual reloadit cards (6 of them) to the cashier. Before I said anything, the cashier said they are cash only. I was like I just talked to this cashier named xxx (call him John) and he said I can use a card to buy these. The cashier called John. John initially said yes you can use a CC to buy these but later when he realized I was loading 500 into each card, he said that the store policy is $200 max on the CC and the rest by cash. I was like oh man I drove 10 miles only bcoz you said I can use a CC... can you please do it on a one-time courtesy. I suggested him to try at least... if the transaction goes through, great... if not then no issues. He said ok. The cashier swiped the cards and Congratulations, all went through successfully. John was in kind of a puzzle to see this bcoz he wasn't expecting the cards will go through. Anyway he took my ID and made a copy of it along with the receipts. He also took my phone number. I was like please feel free to give me a call in case you guys have any questions. I buy these all the time and I'm pretty experienced with them.
Lesson of the story:
Now we know at least that although reloadits would say cash only, they aren't necessarily hard coded in many of the systems to use cash only.
P.S: Second lesson is, don't overspeed.
So after learning above that an FTer was able to get the new reloadit card on a CC, I decided to go to the local grocery store. Before going there, I called the store and asked the CSR if I'm allowed to use a CC to buy reloadit. The CSR put my call on hold for a few minutes and then told me that as soon as it is a valid Visa or Master card, I can use it. But I can't use a reloadit card to buy a reloadit card. I was like ok I'll be right there.
It was 11 pm and there wasn't even a single car on the roads. Suddenly, a cop pulled me over. I was overspeeding. On a road of max 35 mph, I was hitting 50 mph. Congratulations to me, I got a $130 tickets. I was like I better get those effing cards to make up for the ticket.
Anyway I reached the store and tried to find the new cards but in vain. Then I took the usual reloadit cards (6 of them) to the cashier. Before I said anything, the cashier said they are cash only. I was like I just talked to this cashier named xxx (call him John) and he said I can use a card to buy these. The cashier called John. John initially said yes you can use a CC to buy these but later when he realized I was loading 500 into each card, he said that the store policy is $200 max on the CC and the rest by cash. I was like oh man I drove 10 miles only bcoz you said I can use a CC... can you please do it on a one-time courtesy. I suggested him to try at least... if the transaction goes through, great... if not then no issues. He said ok. The cashier swiped the cards and Congratulations, all went through successfully. John was in kind of a puzzle to see this bcoz he wasn't expecting the cards will go through. Anyway he took my ID and made a copy of it along with the receipts. He also took my phone number. I was like please feel free to give me a call in case you guys have any questions. I buy these all the time and I'm pretty experienced with them.
Lesson of the story:
Now we know at least that although reloadits would say cash only, they aren't necessarily hard coded in many of the systems to use cash only.
P.S: Second lesson is, don't overspeed.
Don't call.
Guess you don't know the first rule.
Jan 31, 2014, 8:18 am
#172
Join Date: Jul 2008
Location: CLL
Programs: MS Plat, AOR ninja
Posts: 2,177
Quote:
I third the motion. Simply show up, proceed to purchase the card and try to pay w CC. if it doesn't work, you have your answer. Why bring attention to what you are doing by calling ahead and asking if you can purchase a cash equivalent on a CC?
Originally Posted by f0xx
That is the real lesson of the story.
Don't call.
Guess you don't know the first rule.
My sentiments EXACTLY. Never call.
I third the motion. Simply show up, proceed to purchase the card and try to pay w CC. if it doesn't work, you have your answer. Why bring attention to what you are doing by calling ahead and asking if you can purchase a cash equivalent on a CC?
Originally Posted by f0xx
That is the real lesson of the story.
Don't call.
Guess you don't know the first rule.
My sentiments EXACTLY. Never call.
Jan 31, 2014, 8:50 am
#174
Join Date: Sep 2007
Location: Chicago
Programs: AA, BA, CX, DL, EK, F9, GA, HA, IB, JL, KE, LH, MH, NH, OS, PG, QR, RJ, SA, TG, UA, VN, WN, ZH
Posts: 927
My Reloadit Story:
So after learning above that an FTer was able to get the new reloadit card on a CC, I decided to go to the local grocery store. Before going there, I called the store and asked the CSR if I'm allowed to use a CC to buy reloadit. The CSR put my call on hold for a few minutes and then told me that as soon as it is a valid Visa or Master card, I can use it. But I can't use a reloadit card to buy a reloadit card. I was like ok I'll be right there.
It was 11 pm and there wasn't even a single car on the roads. Suddenly, a cop pulled me over. I was overspeeding. On a road of max 35 mph, I was hitting 50 mph. Congratulations to me, I got a $130 tickets. I was like I better get those effing cards to make up for the ticket.
Anyway I reached the store and tried to find the new cards but in vain. Then I took the usual reloadit cards (6 of them) to the cashier. Before I said anything, the cashier said they are cash only. I was like I just talked to this cashier named xxx (call him John) and he said I can use a card to buy these. The cashier called John. John initially said yes you can use a CC to buy these but later when he realized I was loading 500 into each card, he said that the store policy is $200 max on the CC and the rest by cash. I was like oh man I drove 10 miles only bcoz you said I can use a CC... can you please do it on a one-time courtesy. I suggested him to try at least... if the transaction goes through, great... if not then no issues. He said ok. The cashier swiped the cards and Congratulations, all went through successfully. John was in kind of a puzzle to see this bcoz he wasn't expecting the cards will go through. Anyway he took my ID and made a copy of it along with the receipts. He also took my phone number. I was like please feel free to give me a call in case you guys have any questions. I buy these all the time and I'm pretty experienced with them.
Lesson of the story:
Now we know at least that although reloadits would say cash only, they aren't necessarily hard coded in many of the systems to use cash only.
P.S: Second lesson is, don't overspeed.
So after learning above that an FTer was able to get the new reloadit card on a CC, I decided to go to the local grocery store. Before going there, I called the store and asked the CSR if I'm allowed to use a CC to buy reloadit. The CSR put my call on hold for a few minutes and then told me that as soon as it is a valid Visa or Master card, I can use it. But I can't use a reloadit card to buy a reloadit card. I was like ok I'll be right there.
It was 11 pm and there wasn't even a single car on the roads. Suddenly, a cop pulled me over. I was overspeeding. On a road of max 35 mph, I was hitting 50 mph. Congratulations to me, I got a $130 tickets. I was like I better get those effing cards to make up for the ticket.
Anyway I reached the store and tried to find the new cards but in vain. Then I took the usual reloadit cards (6 of them) to the cashier. Before I said anything, the cashier said they are cash only. I was like I just talked to this cashier named xxx (call him John) and he said I can use a card to buy these. The cashier called John. John initially said yes you can use a CC to buy these but later when he realized I was loading 500 into each card, he said that the store policy is $200 max on the CC and the rest by cash. I was like oh man I drove 10 miles only bcoz you said I can use a CC... can you please do it on a one-time courtesy. I suggested him to try at least... if the transaction goes through, great... if not then no issues. He said ok. The cashier swiped the cards and Congratulations, all went through successfully. John was in kind of a puzzle to see this bcoz he wasn't expecting the cards will go through. Anyway he took my ID and made a copy of it along with the receipts. He also took my phone number. I was like please feel free to give me a call in case you guys have any questions. I buy these all the time and I'm pretty experienced with them.
Lesson of the story:
Now we know at least that although reloadits would say cash only, they aren't necessarily hard coded in many of the systems to use cash only.
P.S: Second lesson is, don't overspeed.
http://www.flyertalk.com/forum/22202720-post82.html
Jan 31, 2014, 4:59 pm
#176
Join Date: Apr 2013
Location: The Empire State
Programs: CO (RIP), US (RIP), Amtrak. Lots of CC programs.
Posts: 442
Just got my card too, plan to use it with Reloadit. Hopefully I can find a store that will sell them using a CC.
Jan 31, 2014, 5:53 pm
#177
Join Date: Jan 2014
Location: SEA
Posts: 40
Points paying CC --> Reloadit Card -- > T-Mobile Prepaid Card --> Bill Pay or Transfer to your bank account
Jan 31, 2014, 7:36 pm
#179
Join Date: Dec 2009
Location: HNL
Programs: UA 1K; Marriott Plat; Hyatt Diamond; CCarlson Elite
Posts: 641
"Now we know at least that although reloadits would say cash only, they aren't necessarily hard coded in many of the systems to use cash only."
That's old news, buddy.
That's old news, buddy.