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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 22, 14, 11:49 am
  #61  
 
Join Date: Nov 2009
Posts: 471
I am thinking following:

1. Applpy for new tmobile money card
2. Buy reloadit from safeway with points earning cc - not sure cc allowed to purchase it
3. Go to t-mobile store and load reloadit card to tmobile money card.
4. Use tmob money card to load your bb
5. pay from bb

Does this sound viable?
mak101 is offline  
Old Jan 22, 14, 11:52 am
  #62  
 
Join Date: Sep 2013
Posts: 829
Originally Posted by mak101 View Post
I am thinking following:

1. Applpy for new tmobile money card
2. Buy reloadit from safeway with points earning cc - not sure cc allowed to purchase it
3. Go to t-mobile store and load reloadit card to tmobile money card.
4. Use tmob money card to load your bb
5. pay from bb

Does this sound viable?
if you can buy reloadit w/cc, it makes a lot of sense. don't even need bb, pay from t-mo card.

but I have a feeling it is too good to be true.
MaineCoon is offline  
Old Jan 22, 14, 11:54 am
  #63  
Original Poster
 
Join Date: Jul 2006
Posts: 40
Edited OP and title to reflect that as of now it appears cash only for loads. Hopefully we can get creative and figure something out here.
mmarcuse is offline  
Old Jan 22, 14, 11:55 am
  #64  
 
Join Date: Feb 2013
Location: Ground Zero
Posts: 68
Originally Posted by MaineCoon View Post
if you can buy reloadit w/cc, it makes a lot of sense. don't even need bb, pay from t-mo card.

but I have a feeling it is too good to be true.
Yup. The key is getting the reloadit pack w/cc. YMMV.
chongwj8 is offline  
Old Jan 22, 14, 11:57 am
  #65  
 
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
Originally Posted by Locke42 View Post
Can you use the T-Mobile prepaid card to reload Bluebird?

The reason I ask is because Vanilla Reloads charge a fee, while T-Mobile prepaid card doesn't charge fees to load in store, and I want to keep the ability to write checks so I can pay my rent.

Also, does anyone know if reloading the T-Mobile card counts as "cellphone service" for the Chase Ink Plus/Bold category bonus? That would be AWESOME.
Whats the point? U can BillPay from T-Mobile prepaid card Account....
prasha11 is offline  
Old Jan 22, 14, 11:59 am
  #66  
 
Join Date: Sep 2013
Posts: 829
Originally Posted by chongwj8 View Post
Yup. The key is getting the reloadit pack w/cc. YMMV.
here is a relevant thread from this mighty website..how is it called again?


http://www.flyertalk.com/forum/manuf...loadit-cc.html


I wonder whether it is possible to load from the T-Mo account positive balance..
MaineCoon is offline  
Old Jan 22, 14, 12:10 pm
  #67  
 
Join Date: Aug 2011
Location: New Jersey
Programs: Delta P, SPG G, Marriott S, Hertz PC
Posts: 1,005
Originally Posted by MaineCoon View Post
In-store, right?

Maybe we'll find better ways to load it. Otherwise it is quite useless. Oh well, doesn't take too much space in the drawer.

Yes. I did just get two cards anyway. Loaded with $100 each cash. I think this will be a good place to offload.... possibly say paper from Walmart since you can deposit checks via phone app.

Fee free for tmobile customers so costs nothing to try.

hoping vanilla reloads for these I future or we find a place to buy reloadit cards with cc.
maksimfa is offline  
Old Jan 22, 14, 12:12 pm
  #68  
 
Join Date: Aug 2011
Location: New Jersey
Programs: Delta P, SPG G, Marriott S, Hertz PC
Posts: 1,005
Locke, you cannot load in store with a credit card. Only cash. Hard coded in register.
maksimfa is offline  
Old Jan 22, 14, 12:16 pm
  #69  
Original Poster
 
Join Date: Jul 2006
Posts: 40
The following are compatible reload cards -

https://www.reloadit.com/card_partners.aspx

Can you load any of these with CC fee free? I think Paypal can...
mmarcuse is offline  
Old Jan 22, 14, 12:21 pm
  #70  
 
Join Date: Jan 2014
Location: Los Angeles, CA
Programs: UR, SPG, HHonors Gold
Posts: 65
Originally Posted by prasha11 View Post
Whats the point? U can BillPay from T-Mobile prepaid card Account....
Apartment only takes checks.

But it looks like it's cash only. Bah.
Locke42 is offline  
Old Jan 22, 14, 12:21 pm
  #71  
 
Join Date: Sep 2013
Posts: 829
"Can I pay for a REloadit Pack with a credit or debit card?

No, a REloadit Pack can only be purchased with Cash. "

https://www.reloadit.com/faqs2.aspx

Heaven for the drug dealers and cash business owners.

Pity for us honest MS ppl.
MaineCoon is offline  
Old Jan 22, 14, 12:22 pm
  #72  
 
Join Date: Nov 2007
Location: ORD
Programs: AA EXP, CM PP, Hyatt Globalist, SPG/Marriott Plat.
Posts: 308
I won't get my hopes up on this. Like others said, hopefully you can load with a CC at Safeway stores after the launch.
dr88 is offline  
Old Jan 22, 14, 12:24 pm
  #73  
 
Join Date: Nov 2008
Posts: 143
Take it with a grain (or a boulder) of salt, but one other source has said load with CC is possible at their T-Mobile store.
RedTeam10 is offline  
Old Jan 22, 14, 12:41 pm
  #74  
 
Join Date: May 2013
Posts: 241
If they allow to load with debit cards at least then this product can be a good liquidation source whenever we reach 5K on BB..
slickpokerdealer is offline  
Old Jan 22, 14, 12:59 pm
  #75  
 
Join Date: Aug 2011
Location: New Jersey
Programs: Delta P, SPG G, Marriott S, Hertz PC
Posts: 1,005
Originally Posted by RedTeam10 View Post
Take it with a grain (or a boulder) of salt, but one other source has said load with CC is possible at their T-Mobile store.
Who is the source?

You can pay for prepaid services with plastic... but I have seen it myself, twice, when the tmobile rep tried to load the card.

When you load it, for payment method, EVERYTHING is locked out, except Cash.

There may be an over ride, but you would have to pull a DYKWA, if it is even possible.

I just registered my cards, and online looks good. Will attempt check deposit and see how that goes.

On packaging of the card, $20-500, $4 purchase fee unless you are tmo customer, and CASH ONLY all over.

good news, fee free for customers.

I see this card being used 2 ways..

1. Used for dumping paper.
2. IF...IF you can buy the reload it cards with CC. Looking at my area, RELOADIT is sold at Stop & Shop grocery stores and Home Depot. Anyone have luck with them?
maksimfa is offline  

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