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)
#271
Join Date: Nov 2012
Posts: 657
What is conservative for loading? I have a hard time slowing down when they pay for the load fee!
02/04/14 WAL-MART #3617 Retail Transaction $2,001.40 $1,855.95
02/04/14 Reload Promotion Credit Promotional Load $3.95 $3,857.35
02/04/14 Reload Promotion Credit Promotional Load $3.95 $3,853.40
02/04/14 Reload Promotion Credit Promotional Load $3.95 $3,849.45
02/03/14 Reloadit Pack Value Load $500.00 $3,845.50
02/03/14 Reloadit Pack Value Load $500.00 $3,345.50
02/03/14 Reloadit Pack Value Load $500.00 $2,845.50
02/03/14 WINN-DIXIE #2 2415 E CO Retail Transaction $104.25 $2,345.50
02/03/14 Wal-Mart Super Center Retail Transaction $70.00 $2,449.75
02/03/14 Reload Promotion Credit Promotional Load $3.95 $2,519.75
02/03/14 Reload Promotion Credit Promotional Load $3.95 $2,515.80
02/02/14 Reloadit Pack Value Load $500.00 $2,511.85
02/02/14 Reloadit Pack Value Load $500.00 $2,011.85
02/02/14 Reload Promotion Credit Promotional Load $3.95 $1,511.85
02/02/14 Reload Promotion Credit Promotional Load $3.95 $1,507.90
02/02/14 Reload Promotion Credit Promotional Load $3.95 $1,503.95
02/01/14 Reloadit Pack Value Load $500.00 $1,500.00
02/01/14 Reloadit Pack Value Load $500.00 $1,000.00
02/01/14 Reloadit Pack Value Load $500.00 $500.00
#272
Join Date: Aug 2011
Location: New Jersey
Programs: Delta P, SPG G, Marriott S, Hertz PC
Posts: 1,007
I think it took a week and half for mine.
What is conservative for loading? I have a hard time slowing down when they pay for the load fee!
02/04/14 WAL-MART #3617 Retail Transaction $2,001.40 $1,855.95
02/04/14 Reload Promotion Credit Promotional Load $3.95 $3,857.35
02/04/14 Reload Promotion Credit Promotional Load $3.95 $3,853.40
02/04/14 Reload Promotion Credit Promotional Load $3.95 $3,849.45
02/03/14 Reloadit Pack Value Load $500.00 $3,845.50
02/03/14 Reloadit Pack Value Load $500.00 $3,345.50
02/03/14 Reloadit Pack Value Load $500.00 $2,845.50
02/03/14 WINN-DIXIE #2 2415 E CO Retail Transaction $104.25 $2,345.50
02/03/14 Wal-Mart Super Center Retail Transaction $70.00 $2,449.75
02/03/14 Reload Promotion Credit Promotional Load $3.95 $2,519.75
02/03/14 Reload Promotion Credit Promotional Load $3.95 $2,515.80
02/02/14 Reloadit Pack Value Load $500.00 $2,511.85
02/02/14 Reloadit Pack Value Load $500.00 $2,011.85
02/02/14 Reload Promotion Credit Promotional Load $3.95 $1,511.85
02/02/14 Reload Promotion Credit Promotional Load $3.95 $1,507.90
02/02/14 Reload Promotion Credit Promotional Load $3.95 $1,503.95
02/01/14 Reloadit Pack Value Load $500.00 $1,500.00
02/01/14 Reloadit Pack Value Load $500.00 $1,000.00
02/01/14 Reloadit Pack Value Load $500.00 $500.00
What is conservative for loading? I have a hard time slowing down when they pay for the load fee!
02/04/14 WAL-MART #3617 Retail Transaction $2,001.40 $1,855.95
02/04/14 Reload Promotion Credit Promotional Load $3.95 $3,857.35
02/04/14 Reload Promotion Credit Promotional Load $3.95 $3,853.40
02/04/14 Reload Promotion Credit Promotional Load $3.95 $3,849.45
02/03/14 Reloadit Pack Value Load $500.00 $3,845.50
02/03/14 Reloadit Pack Value Load $500.00 $3,345.50
02/03/14 Reloadit Pack Value Load $500.00 $2,845.50
02/03/14 WINN-DIXIE #2 2415 E CO Retail Transaction $104.25 $2,345.50
02/03/14 Wal-Mart Super Center Retail Transaction $70.00 $2,449.75
02/03/14 Reload Promotion Credit Promotional Load $3.95 $2,519.75
02/03/14 Reload Promotion Credit Promotional Load $3.95 $2,515.80
02/02/14 Reloadit Pack Value Load $500.00 $2,511.85
02/02/14 Reloadit Pack Value Load $500.00 $2,011.85
02/02/14 Reload Promotion Credit Promotional Load $3.95 $1,511.85
02/02/14 Reload Promotion Credit Promotional Load $3.95 $1,507.90
02/02/14 Reload Promotion Credit Promotional Load $3.95 $1,503.95
02/01/14 Reloadit Pack Value Load $500.00 $1,500.00
02/01/14 Reloadit Pack Value Load $500.00 $1,000.00
02/01/14 Reloadit Pack Value Load $500.00 $500.00
Personally I would be hesitant to keep large sums in the account.
The billpay here is pretty good. Quick too.
#273
Join Date: Nov 2012
Posts: 657
4K load in 3 days, made some small purchases then bought 2K in MO at walmart.
#274
Join Date: Aug 2011
Location: New Jersey
Programs: Delta P, SPG G, Marriott S, Hertz PC
Posts: 1,007
yeah, blah. =P
I have a friend who did 7k.. so far so good. Keep in mind, it is blackhawk and bancorp.
maybe open up another account and spread it?
My theory is, once I can get reliable access to reload it cards, I would load about 5k a month through it.
I have a friend who did 7k.. so far so good. Keep in mind, it is blackhawk and bancorp.
maybe open up another account and spread it?
My theory is, once I can get reliable access to reload it cards, I would load about 5k a month through it.
#276
Join Date: Aug 2011
Location: New Jersey
Programs: Delta P, SPG G, Marriott S, Hertz PC
Posts: 1,007
#277
Join Date: Mar 2011
Posts: 113
What are you talking about?
I urge you to read the website.
Tmobile is only sponsoring this prepaid card. This has NOTHING to do with Tmobile wireless service or prepaid wireless.
The refund for the reload has nothing to do with the wireless service either. =)
The only thing that matters with this tmobile account is....
Are you a Tmobile Wireless customer?
Yes - Monthly fees on the prepaid money services account are waived
No - You pay some extra fees.
I urge you to read the website.
Tmobile is only sponsoring this prepaid card. This has NOTHING to do with Tmobile wireless service or prepaid wireless.
The refund for the reload has nothing to do with the wireless service either. =)
The only thing that matters with this tmobile account is....
Are you a Tmobile Wireless customer?
Yes - Monthly fees on the prepaid money services account are waived
No - You pay some extra fees.
As per the T& C if you are a TMobile customer at time of registration and load with a reload pack of 300$ or more you will get the 3.95$ fee credited back. My question is where does the credit go. Does the fee go back to the credit card you paid with or it gets credited to your tmobile account ?
edit - i think i got my answer above, it gets credited to the tmobile prepaid card so that works
#280
Join Date: Sep 2013
Posts: 50
I couldn't find a way to link it to Mint either, submitted a request as well.
#281
Join Date: Jun 2009
Location: ONT/LAX
Programs: IHG Plat
Posts: 496
My online application for this card was declined. I got the following message:
No idea why, as I don't have a history of shutdowns with any of the companies involved. I do have a T-Mobile phone plan (prepaid) which I tried to link the card to. I actually haven't ever been shut down by any prepaid card product, amazingly enough not even MVD (which I usually load 2k at a time and unload via MO) although I have stayed away from most of the ones that are widely reported to be quick to shut you down such as NetSpend. My previous attempts to purchase Reloadits with a credit card have been unsuccessful, but I saw on the Reloadit website that there are some new retailers in my area selling the cards and I had planned to give them a try.
I called the toll-free number they listed and had to enter a card # to proceed further. I might try to get the card at a T-Mobile store and see what happens.
No idea why, as I don't have a history of shutdowns with any of the companies involved. I do have a T-Mobile phone plan (prepaid) which I tried to link the card to. I actually haven't ever been shut down by any prepaid card product, amazingly enough not even MVD (which I usually load 2k at a time and unload via MO) although I have stayed away from most of the ones that are widely reported to be quick to shut you down such as NetSpend. My previous attempts to purchase Reloadits with a credit card have been unsuccessful, but I saw on the Reloadit website that there are some new retailers in my area selling the cards and I had planned to give them a try.
I called the toll-free number they listed and had to enter a card # to proceed further. I might try to get the card at a T-Mobile store and see what happens.
#282
Join Date: Aug 2013
Location: Seattle
Programs: Delta Platinum
Posts: 36
Reloadit cards: CASH ONLY
The Reloadit website, using the logo from the NEW cards (that do not say cash only) has a FAQ which says:
"No, a Reloadit Pack can only be purchased with cash"
Seems that only store errors will let you use a cc, not a good long term strategy.
"No, a Reloadit Pack can only be purchased with cash"
Seems that only store errors will let you use a cc, not a good long term strategy.
#283
Join Date: Dec 2012
Location: JFK
Programs: *$ Gold :)
Posts: 1,061
#284
Join Date: Oct 2004
Location: BZN
Programs: AA:LT Platinum DL:LT Gold UA:1P MAR:LT Titanium
Posts: 8,291
The lack of "cash only" on the new card packs themselves could be for good reason.
#285
Join Date: Jun 2013
Posts: 293
That is the same language from before. Looks like the page has been "re-skinned," but with no text changes. Bought two more with a CC yesterday from a store which had previously only permitted cash. Cashier said so long as new card did not say cash only, they were fine with it. Don't know if it will last, but the omission of the cash only language continues to open new doors.