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

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Old Jan 22, 2014, 3:27 pm
FlyerTalk Forums Expert How-Tos and Guides
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
  • 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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T-Mobile Visa Prepaid - Bluebird Competitor for MS! (May not load w/CC)

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Old Feb 22, 2014, 7:17 am
  #586  
 
Join Date: Feb 2011
Programs: DL DM Hub Captive, Marriott Plat, Hilton Diamond, PC Plat, and other stuff.
Posts: 904
Originally Posted by goblue77
single.

This is from the Cardholder Agreement.
"The maximum value of your Card Account is restricted to $10,000.00."

I bet the limit of BP is $10k. I don't see any language that says the limit of BP or monthly BP maximum.
OK, then I'll re-edit the wiki.
thegasguru is offline  
Old Feb 22, 2014, 11:32 am
  #587  
 
Join Date: Apr 2011
Location: Somewhere in the air
Posts: 69
So are we credited back the reloadit pack fee for $300+ or not? Got new reloadit packs at local grocery and want to try. If so, does credit show in Tmobile debit card and how long does it take to show up? Still fuzzy about what "program manager safe" is about.
noonflyer is offline  
Old Feb 22, 2014, 11:52 am
  #588  
 
Join Date: Jul 2008
Posts: 245
Originally Posted by noonflyer
So are we credited back the reloadit pack fee for $300+ or not? Got new reloadit packs at local grocery and want to try. If so, does credit show in Tmobile debit card and how long does it take to show up? Still fuzzy about what "program manager safe" is about.
Yes fee credits, you see it on the T-Mobile site or app, my credits post day after load.

There is a thread on the safe, my opinion is it is not ready for primetime. Just buy reload-its and load through T-Mobile website or app and you are good.
nmp0 is offline  
Old Feb 22, 2014, 8:17 pm
  #589  
 
Join Date: Aug 2011
Location: The Phoenix Desert
Programs: Hilton Cubic Zirconia, Marriott Fools Gold
Posts: 1,692
Originally Posted by member7777
If you are buying Reloadits at Safeway, I noticed that regular giftcards (Shell, Arco, Starbucks, Amazon etc.) are getting 4x Fuel Points instead of 2x...up to $1/gallon gas discount at Safeway gas for up to 25 gallons each fill up for $250 in GC purchases...just a thought...the Reloadits get no fuel points
Just seeing my gas get pumped at $2.65/gallon got me a little teary eyed
Did you happen to notice when the 4x points ends?
skitch23 is offline  
Old Feb 22, 2014, 8:28 pm
  #590  
 
Join Date: Jul 2009
Programs: None
Posts: 135
Thumbs up

Originally Posted by OHijAAzi73
You guys pay for gas?.....
No we don't, just pee in the donkey's backside and our donkey runs and needs no gas.
BADELAYS is offline  
Old Feb 22, 2014, 8:43 pm
  #591  
 
Join Date: Jan 2011
Programs: CO, BA, UA, AA, PC, HH, MARRIOT, HYATT, MR, STARWOOD
Posts: 287
Originally Posted by skitch23
Did you happen to notice when the 4x points ends?
I believe it is an undocumented feature...
finite7777 is offline  
Old Feb 22, 2014, 8:47 pm
  #592  
 
Join Date: Sep 2013
Posts: 829
Originally Posted by finite7777
I believe it is an undocumented feature...
I bought $50 Shell card, I don't see the points posted. How long does it take them to post the points?
MaineCoon is offline  
Old Feb 22, 2014, 9:51 pm
  #593  
 
Join Date: Oct 2013
Posts: 920
We should keep the thread related to the Tmo card. Getting sidetracked here.
hitman1420 is offline  
Old Feb 22, 2014, 10:12 pm
  #594  
 
Join Date: Apr 2011
Location: Somewhere in the air
Posts: 69
Originally Posted by nmp0
Yes fee credits, you see it on the T-Mobile site or app, my credits post day after load.

There is a thread on the safe, my opinion is it is not ready for primetime. Just buy reload-its and load through T-Mobile website or app and you are good.
Thanks for the HU... now time to SHAZAM this card to its potential.
noonflyer is offline  
Old Feb 22, 2014, 10:52 pm
  #595  
 
Join Date: Jul 2012
Location: Heaven
Posts: 552
so I am confused.... def. more than 24 hrs since my last load and got error while loading rlit.

"Your card account has reached the maximum balance allowed. Please contact customer service at the number located on the back of your card."

Have definitely loaded more than 10k this month...so perhaps there is a limit afterall ?
coolblues is offline  
Old Feb 22, 2014, 11:20 pm
  #596  
 
Join Date: Oct 2013
Posts: 920
Originally Posted by coolblues
so I am confused.... def. more than 24 hrs since my last load and got error while loading rlit.

"Your card account has reached the maximum balance allowed. Please contact customer service at the number located on the back of your card."

Have definitely loaded more than 10k this month...so perhaps there is a limit afterall ?
Maybe your account's been banned?
hitman1420 is offline  
Old Feb 22, 2014, 11:36 pm
  #597  
 
Join Date: Jul 2012
Location: Heaven
Posts: 552
Originally Posted by hitman1420
Maybe your account's been banned?
doesn't look like...atleast not yet... that'd suck as I have a big stash of Rlits to burn ... will check tomorrow.

nvm, all good now..was able to pump another 2.5k.

Last edited by coolblues; Feb 23, 2014 at 12:05 am
coolblues is offline  
Old Feb 23, 2014, 11:23 am
  #598  
 
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
Originally Posted by uncommonsensical
ummm... WRONG. as in, you're wrong (and pious to boot). your assumption that i am somehow too simple to understand what the OP is looking to do is well off target. i understand completely. i understand it so completely that i commented because i understand the thought process is poor. agreeing with someone who is doing something wrong is not doing them any favours and is counterproductive- unless your goal is to watch others get shut down whilst MINIMIZING their points from the opportunity. is that your goal?

the KEY to these deals is not the load, it is the unload, in terms of longevity. we already have seen AA and it's waaayy early days. what is loaded, must be unloaded. given the limitations (AA), to load via a method that does not generate points is, well, nonsensical.

there are MANY avenues to unload MO. there are threads dedicated to it. with Simple, for instance, MO is THEIR preferred method of load, second to DD.

so, the next time you attack what was a correct post, learn more about MS. but you're correct if your assertion is that i have limitations- i limit myself to things that make sense...
What are U rambling about? what?
prasha11 is offline  
Old Feb 23, 2014, 11:38 am
  #599  
 
Join Date: Jun 2013
Posts: 162
T-Mobile Visa Prepaid - Bluebird Competitor for MS! (May not load w/CC)

2500 per rolling 24hrs. Got the same msg when I hit that the other day
haloseven is offline  
Old Feb 23, 2014, 3:11 pm
  #600  
 
Join Date: Aug 2012
Location: SEA
Programs: Bonvoy Gold
Posts: 1,947
T-Mobile Visa Prepaid - Bluebird Competitor for MS! (May not load w/CC)

Finally found a grocery store in MD that both stocks the new (cross) Reloadit and takes CC. Needed Manager's approval for the $950. No Safeway gas points on the transaction. DL check. Paid with AMEX SPG. Store cashier and I discussed whether CC payment was eligible, and Manager was not pleased to allow the transaction. Will be doing <$500 loads in the future and would not be surprised if Manager yanks (or gets told to yank) the Reloadits soon.
EkekoBWI is offline  


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