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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, 1:09 pm
  #76  
 
Join Date: Nov 2008
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Originally Posted by maksimfa View Post
Who is the source?
Another internet forum.
RedTeam10 is offline  
Old Jan 22, 14, 1:17 pm
  #77  
 
Join Date: Jun 2013
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I called in 3 different stores of a local grocery store chain. All cash only for reloadits.

None of the other two chains carry reloadits.
cowboyguy is offline  
Old Jan 22, 14, 1:22 pm
  #78  
 
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Originally Posted by cowboyguy View Post
I called in 3 different stores of a local grocery store chain. All cash only for reloadits.

None of the other two chains carry reloadits.
You're THAT kind of guy...
Having fun paying off that debt?
f0xx is offline  
Old Jan 22, 14, 1:30 pm
  #79  
 
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Originally Posted by cowboyguy View Post
I called in 3 different stores of a local grocery store chain. All cash only for reloadits.

None of the other two chains carry reloadits.
I've been buying Reloadit cards for over a year. I've never found a store that allows a CC. However, some (and it varies from store to store, from manager to manager, and changes without notice) permit me to use Visa or MC GCs with a PIN, as some equate it to cash. Just bought a couple this a.m. The key, then, is to buy the Visa or MC GCs at a discount to off-set the fee (e.g., current Office Max promo).

Also, as you will see, Reloadit is bringing out a new card - you can see it on their website. Unlike the existing card, the new card, or at least the one on the website and in-store poster, does NOT say CASH ONLY. So, there may be a CC opportunity downstream.

Also, don't call the stores and see if they are cash only. It will only draw undue attention to an already delicate situation. Just show up with GCs and assume all will be ok.
BigDawgFT is offline  
Old Jan 22, 14, 1:30 pm
  #80  
 
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I'm truly amazed of flood of MS illiterate people to FT last couple of days...
pier11 is offline  
Old Jan 22, 14, 1:32 pm
  #81  
 
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Originally Posted by pier11 View Post
I'm truly amazed of flood of MS illiterate people to FT last couple of days...
Someone on the SD OM thread asked "what is MS?" and a link to FT was posted there.

Last edited by michael_v; Jan 22, 14 at 1:38 pm
michael_v is offline  
Old Jan 22, 14, 1:37 pm
  #82  
 
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Originally Posted by cowboyguy View Post
I called in 3 different stores of a local grocery store chain. All cash only for reloadits.

None of the other two chains carry reloadits.
What's the first rule?
lad2 is offline  
Old Jan 22, 14, 1:39 pm
  #83  
 
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Originally Posted by pier11 View Post
I'm truly amazed of flood of MS illiterate people to FT last couple of days...
I am a fairly new person to this , however have a ton of retail and finance experience. be gentle on the new guys.

There is a ton of good info, unfortunately how can someone read 250 pages... More of those posts should have better summaries. As such, that is why a lot of same questions.... Not to say there would not be any if there were good summaries, but there would be a lot less.

In any case, going to run to stop and shop and play with reloadit cards.

Question , another aspect...

Is anyone successful at buying reloadit cards at homeyd with a homeyd gc?

Feel free to pm me.

Also... Was thinking if the fees are low... You can load the tmo card with money gram... What are the fees with money gram?

Gc at pharmacy, to money gram deposit to tmo, out through bill pay or anywhere else. No need to deal with buying paper orders.
maksimfa is offline  
Old Jan 22, 14, 1:41 pm
  #84  
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Originally Posted by BigDawgFT View Post
I've been buying Reloadit cards for over a year. I've never found a store that allows a CC. However, some (and it varies from store to store, from manager to manager, and changes without notice) permit me to use Visa or MC GCs with a PIN, as some equate it to cash. Just bought a couple this a.m. The key, then, is to buy the Visa or MC GCs at a discount to off-set the fee (e.g., current Office Max promo).

Also, as you will see, Reloadit is bringing out a new card - you can see it on their website. Unlike the existing card, the new card, or at least the one on the website and in-store poster, does NOT say CASH ONLY. So, there may be a CC opportunity downstream.

Also, don't call the stores and see if they are cash only. It will only draw undue attention to an already delicate situation. Just show up with GCs and assume all will be ok.
This is going to be key. Finding a grocery store that allows buying them with debit cards..... A little extra step than BB, but worth it if possible.
healthnut is offline  
Old Jan 22, 14, 1:42 pm
  #85  
 
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Originally Posted by michael_v View Post
Someone on SD asked "what is MS?" and a link to FT was posted there.
Thanks. As I thought. I just felt SD attitude. Shout loud. Be first to post the deal, as if reputation will be added to OP. Jump on deal immediately and kill it instantly.
Total disserve to MS community. Worst than bloggers...
pier11 is offline  
Old Jan 22, 14, 1:45 pm
  #86  
 
Join Date: Nov 2008
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Originally Posted by michael_v View Post
Someone on SD asked "what is MS?" and a link to FT was posted there.
Here is the exact quote:

It's an internet criminal organization. Here is their hangout:

http://www.flyertalk.com/forum/ma...nding-719/

Their members can usually be spotted standing in front of a bluebird machine at walmart or arguing with employees at your local officemax.

RedTeam10 is offline  
Old Jan 22, 14, 1:47 pm
  #87  
 
Join Date: Nov 2008
Posts: 143
Originally Posted by pier11 View Post
Thanks. As I thought. I just felt SD attitude. Shout loud. Be first to post the deal, as if reputation will be added to OP. Jump on deal immediately and kill it instantly.
Total disserve to MS community. Worst than bloggers...
I instantly thumb down the MS "deals" posted.
RedTeam10 is offline  
Old Jan 22, 14, 1:49 pm
  #88  
 
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Based on the questions they're asking, mistakes will be made and high APRs will be generated. Somebody has to subsidize our hobby. I just hope they don't destroy it altogether.
flyertalk77 is offline  
Old Jan 22, 14, 1:55 pm
  #89  
 
Join Date: Nov 2013
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Originally Posted by RedTeam10 View Post
Here is the exact quote:

It's an internet criminal organization. Here is their hangout:

http://www.flyertalk.com/forum/ma...nding-719/

Their members can usually be spotted standing in front of a bluebird machine at walmart or arguing with employees at your local officemax.

My bad. Did I just violate the first and second rule of fight club or something?
vinhboy is offline  
Old Jan 22, 14, 2:04 pm
  #90  
 
Join Date: Jun 2013
Posts: 510
Originally Posted by BigDawgFT View Post
I've been buying Reloadit cards for over a year. I've never found a store that allows a CC. However, some (and it varies from store to store, from manager to manager, and changes without notice) permit me to use Visa or MC GCs with a PIN, as some equate it to cash. Just bought a couple this a.m. The key, then, is to buy the Visa or MC GCs at a discount to off-set the fee (e.g., current Office Max promo).
One of the grocery stores in my area DOES sell reloadits on a debit card.

But the discounted Visa or Master GCs are not available all the time. OM deal will end this week. There are rarely such deals. I would say 3-4 times a year?
cowboyguy is offline  

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