Prepaid REDcard (Target) 2014

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This thread is closed and contains historic discussion up to 12/31/14. The current thread is here: Prepaid REDcard (Target) 2015

Read the wiki and especially the FAQ before posting a question.
It's a literacy test that's easy to pass.


https://amex.serve.com/prepaidredcar...prepaidredcard


    Redbird (Target Prepaid REDcard)
    Cash loading at Target: ** - $2,500/day and $5,000/month
    Online Debit Card Load * - $200/day and $1,000/month
    Checking/Savings Account - $2,000/month
    Checks - $2,000/day and $10,000/month
    ATM Withdrawals - $750/day and $2,000/month




    All "Monthly" limits are per calendar month and reset on the 1st of each month.

    *For online debit load, only use of bank-issued cards is allowed. The use of pre-paid debit cards (Netspend, Paypower, Univision, Paypal, etc.) and VGC/MGC/AGCs is not allowed. Your account will be flagged upon first/second attempt.

    **As of 12/18/14, "Cash" load at target also includes in-store loads by any Credit/Debit card normally accepted at Target

    ATM Withdrawals:
    $0 ATM usage at US Target stores* and over
    43,000 US Allpoint network ATMs (ATM usage not available at any other ATMs) Find an Allpoint ATM at: $0 from a Checking or Savings Account
    www.allpointnetwork.com

    Redbird is currently only available in the following states:
    Alabama
    Arizona
    California (YMMV)
    Colorado
    Indiana
    Maryland
    Massachusetts
    Michigan
    Minnesota (Minneapolis YMMV)
    Mississippi
    New Mexico
    North Carolina
    Ohio (Cleveland area only)
    Oklahoma
    Pennsylvania (note for fellow Pennsylvanians: west PA only)
    South Carolina
    Tennessee
    Virginia
    Wisconsin

    You can check which participating Target locations carry the temp Redbird card for purchase
    https://amex.serve.com/prepaidredcar...#store-locator

    FAQ
    Q: Can I reload a RB at a Target that doesn't sell RB?
    Yes. However, the cashier may not know how to do it. You may be able to coach them through it by saying "It's like reloading a Starbucks (or Gift) card". For step-by-step instructions on one method of 'coaching' new cashiers see Post#1904

    Q: Can I buy or reload a RB in North Carolina?
    Some users report issues with RB in NC however already activated RBs from other states have been successfully loaded via CC at Targets around Raleigh

    Q: Can I reload the RB at any register, or just at the Customer Service desk?
    It can be done at any register, however some cashiers are uncomfortable doing so. If asked to go to the CS desk, smile and say "thank you" and do the load at the CS desk. Target CS desk employees are infinitely more friendly than the Walmart MC employees. It is painless and pleasant!

    Q: What is the most efficient way to drain a Redbird?
    There are differing opinions but the general consensus is that your best option is to simply use the RB Billpay feature to pay off the credit card you used to load with. Some people frown on this, thinking it creates a suspicious 'closed loop'. If you are uncomfortable with this, consider paying off a second, unrelated CC using the BB Billpay feature. The general consensus is that Billpay is less of a red flag than doing ATM withdrawals.

    Q: I cant access the BillPay feature through the RB website!
    Verify that your account information correctly reflects a 10-digit phone number (including area code). Numerous people have reported that their account only had a 7-digit phone number (no area code) and that, after updating to a 10-digit phone number, BillPay miraculously started working.

    Q: Can we buy a temporary Redbird card while we still have a Bluebird or Serve account?
    YES

    Q: How many Redbird cards can you purchase at once?
    You can only purchase one Redbird card a day per SSN. If you plan to purchase more than one, be sure to use a different SSN for each purchase to avoid activation issues.

    Q: Can we register our temporary Redbird online while we still have a Bluebird or Serve account?
    NO.
    You will have to cancel your Bluebird or Serve account first before registering.


    Q: How do I cancel my BlueBird or Serve Account online? Do I need to call them?
    Frequent Miler posted a useful trick that will help you cancel online: How to cancel Bluebird online This works for both BlueBird and Serve.

    Q: Cancelled Bluebird, why does registering Redbird error out saying Bluebird is still active?
    If you have open transactions that have not been settled, like BillPay checks that have not yet been cashed, the account cannot settle and will not be truly closed. Thus Target will reject it until it's permanently closed.

    Q: Can we get Redbird online?
    NO.
    The only way to get Redbird is to find a participating Target store and buy a temporary card there.
    Some people have purchased RB on Ebay, Amazon, or through private deals. Be aware that doing so may violate the TOS of one or more of these services. Also be aware that buying an un-activated RB, you are potentially buying "stolen" merchandise; the seller *may* have simply taken the un-activated RB cards from a target store without permission. At best they got permission from a low-level employee; they certainly are not getting permission from someone authorized to allow sale of RB outside of the current Target-authorized roll out markets. It is highly recommended to only buy already activated Redbirds because many Targets which do not offer Redbirds also will not be able to activate them and you will spend a month with the Customer Service line trying to get a new one.

    Q: Can we load Redbird with VGCs/debit cards at Target?
    YES

    Q: Can we load Redbird with credit cards at Target?
    YES
    It is possible that Target has plans to change the register to not allow credit cards, but I dont think thats the case.


    Q: Can we load Redbird with Target gift cards at Target?
    NO.
    When loading, the register displays a large message saying that gift cards cannot be used to pay for this transaction.


    Q: What are the cards load limits per transaction at Target?
    When reloading the card at Target a $1000 maximum reload per Redbird swipe, $2500 per transaction per day is in place. This is inclusive of all payment types (Ex: if you load $25 from a VGC in one transaction, you can only load $2475 from any other payment source)
    The Target systems have not been stopping anyone from charging above the daily limits but the money just "disappears" (see below)

    update: Many have been able to load more than $1000 in a single credit card transaction. For example, cashier will swipe to load $1000 to RedBird, then cashier swipes to load another $1000 to Redbird, then the cashier will do a final swipe of Redbird to load $500. The purchaser can then swipe their CC on the customer terminal to pay for all three loads in one $2500 credit card transaction. This works up to the limit of $2500 per day. More details available here: Post#1904

    Update: As of 12/26, some people have reported issues with not receiving full credit for multiple RB reloads in a single CC transaction as specified in the previous update. Always check your receipt to verify that it accurately shows your RedBird "New Balance" increasing with each successive load. This seems to be associated with loading above the daily limit of a temp or perm card (there is no error indicating this or any message at all) Correcting the problem *may* be possible if caught immediately. Otherwise, your only option may be to dispute the transaction with your CC issuer.

    Q: Do the CC loads count as cash advances?
    While we dont yet have absolute proof of this, Im confident in saying no. The charges Ive done so far fully appear to be purchases. And, previous experience with the similar Amex for Target card has shown that credit cards are safe to use for register reloads at Target.
    As of 12/31/2014: Loading with Citi credit cards post as purchases

    Q: Can someone else buy a Redbird card for you?
    Yes. When you buy a temp Redbird card at Target, you have to give them your drivers license info, your SSN (can be any set of numbers, does not need to be real), birthdate, and more. Then, you have to register the card online in order to get a permanent card. In the process of registering online, they ask for the birthday of the original buyer on the first screen, but you can put your own and it will still work. Either way, you can still change the details on the following screens. I did this for my wife. I bought the card at Target and used my own drivers license, SSN, etc. But, when I got home, I registered the card to my wife. I cant promise this will work for everyone, but it worked for me.

    Q: Can you reload Serve at Target?
    NO.
    Since Serve and Redbird are on the same technology platform, and since you can reload Serve at Walmart (like Bluebird), it seems reasonable to assume that it would work at Target as well. I tried a Serve card, but it didnt work. So, the answer for now is NO. It wont surprise me, though, if that changes in the future.


    Q: How do I contact Target's support team to resolve an issue with my RedCard?
    Call Target's Prepaid Resolution Team, their direct telephone number is 800 438 6468 (open from 8AM to 430PM MST).

    Q: Can you have both Redbird and AFT cards?
    YES.
    You can have both Redbird and AFT since they are independent products.


    Q: I got a "Pending" notice that the registration is being reviewed, what now?
    Add [email protected] to your address book, and check your spam folder for an email about it. You can also call in. They will need images or faxes of:
    Social Security Documentation (must clearly show full 9 digit Social Security Number). Choose 1 of the following options:
    ◦ Social Security Card, OR
    ◦ A Medicare insurance card
    Plus...
    Picture ID
    ◦ A valid driver's license card OR
    ◦ A valid state issued ID OR
    ◦ A valid United States Government ID Card (e.g. Green Card) OR
    ◦ A valid United States Passport (photo page only)
    Original FAQ by FrequentMiler. Significant subsequent clarifications and enhancements by FT community.
    ===============================================
    Q: How to swipe $2500 at a time and add a small purchase

    A:Originally Posted by Carl Christensen http://www.flyertalk.com/forum/manuf...l#post23944354
    Originally Posted by Carl Christensen
    Carl's updated guide to achieve non even numbers:

    Go through express/regular check out. Why? Their screen faces you. I have an excel spread sheet printed off showing the number I want to load. Somehow, having a print off and pointing at the numbers causes more confidence and less questions.

    1. hand card and tell them to swipe bar up and that you plan on having them swipe three times for three loads
    2. tell them 1000
    3. Warning that Target Gift Cards may not be used - they press K1 (after I train them they keep their hand hovering over K1 for more loads)
    4. Glance at their screen to check that it shows the load (it will show a line item with 1000 etc)
    5. Tell them to swipe again
    6. Repeat 2,3,4,5
    7. repeat 2 (500 this time), 3,4
    8. Hand them a pack of gum or pop and ask them to scan it (important this is done last and not first. If done first it will just pay)
    9. They might have to hit a final key I'm not sure, but I tell them I'm ready to pay
    10. I swipe my credit card
    11. show last 4 of card to them to type in
    12. After a pause (sometimes longer than others) it prints off a receipt.
    13. If your card is denied the screen will change from light blue to red. At this point I will tell them to cancel and I go sit down on the bench in front of them to call card company.
    14. Check your receipt immediately to make sure you see successful 3 loads.
    15. Step out of line and complete record keeping and then go back through line again for next red card.

    This process yields one cc charge that is a non even number.

    I sometimes do non even numbers (937.23 ie) if that is how much is left to meet minimum spend on my cc before I go to the next CC.

    If your total load is small enough (13x.xx did not require), it does not require them typing in the last 4 digits.

    Secure Document Upload
    Here's the link to upload secure documents to REDcard:

    https://secure.prepaidredcard.com/User/SecureFileUpload
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    Old Dec 17, 14, 6:39 am
      #1906  
     
    Join Date: Jul 2011
    Posts: 583
    Originally Posted by Carl Christensen View Post
    This process yields one cc charge that is a non even number.
    Instead of adding a 'pack of gum' couldn't you just tell the cashier to load $998.52 (for example)? I know you'd be leaving 1.5 miles on the table but it seems easier.


    Cheers
    CrownRoyalForever is offline  
    Old Dec 17, 14, 7:22 am
      #1907  
     
    Join Date: Jan 2011
    Location: BOS
    Programs: IHG Amb, Honors Gold, SPG Gold
    Posts: 78
    Originally Posted by CrownRoyalForever View Post
    Instead of adding a 'pack of gum' couldn't you just tell the cashier to load $998.52 (for example)? I know you'd be leaving 1.5 miles on the table but it seems easier.


    Cheers
    I actually think adding the pack of gum is easier.
    powerslide is offline  
    Old Dec 17, 14, 7:31 am
      #1908  
     
    Join Date: Apr 2014
    Location: ORD
    Programs: AAdvantage, UA, Avios
    Posts: 637
    You don't have to have a non-even number, just load 2,500 no one has reported issues doing so yet.
    starbuk is offline  
    Old Dec 17, 14, 8:11 am
      #1909  
     
    Join Date: May 2013
    Posts: 747
    I don't know why people are trying to make this so complicated, its really not. If you want to hit the $2,500 in a single register visit, go for it, but personally I think it is a bit confusing for cashiers.

    My personal method of choice, have cashier swipe redbird #1, #2, and #3 each for $1,000 (the last being an odd number, like 998.78) and pay. Gauging their personality and busyness, repeat. Come back another day and do the same, then come back a third day and only do the rotation once.

    No dealing with 'overloading', no confusion on doing the same card multiple times, just simple and easy to explain.


    Originally Posted by starbuk View Post
    You don't have to have a non-even number, just load 2,500 no one has reported issues doing so yet.
    Fraud alerts for even numbers.
    nrdk is offline  
    Old Dec 17, 14, 8:35 am
      #1910  
     
    Join Date: Apr 2014
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    Originally Posted by nrdk View Post
    Fraud alerts for even numbers.
    The only fraud alert I have ever received were when making the first purchase at Target. Once that is taken care of, the number charged does not matter. It was because of the large amount and also because of the Target location. Nothing to do with even numbers because the alert never came up again afterwards.
    starbuk is offline  
    Old Dec 17, 14, 8:44 am
      #1911  
     
    Join Date: May 2013
    Posts: 747
    Originally Posted by starbuk View Post
    The only fraud alert I have ever received were when making the first purchase at Target. Once that is taken care of, the number charged does not matter. It was because of the large amount and also because of the Target location. Nothing to do with even numbers because the alert never came up again afterwards.
    Eh, not the case for me, any time I did an even number it was a fraud alert, each and every time, regardless of calling to clear or clearing via text or email or anything else. Gave up on that and do odd numbers and only have the rare fraud alert (almost always Citi).
    nrdk is offline  
    Old Dec 17, 14, 8:47 am
      #1912  
     
    Join Date: Sep 2013
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    Posts: 3,677
    Originally Posted by macrophage View Post
    If you think this case is crazy --

    I went to a Target yesterday and went to a regular cashier. She was of the older type... probably late 60s.
    At first she didn't believe that it would work to load at her register and told me to go to Guest Services, then I urged her to try. She complied! Yay it works!

    then the funny part...
    "how much do you want to load?"
    "can I load $1000?"

    -EYES OPENED WIDE-
    NO you're going to guest services. I'm not doing that at my register!

    ... like what? The cops aren't coming to arrest you, lady!
    Walked over to the next register in her field of vision and completed my transactions with a younger fellow who was more understanding.
    Any individual cashier, or even manager, can decide to not be responsible for doing what we as "professionals" know we are allowed to do. Some folks are just paranoid, and worried about making a large $ mistake that will endanger their jobs. That's all that means....
    Brugge is offline  
    Old Dec 17, 14, 9:36 am
      #1913  
     
    Join Date: Jun 2011
    Posts: 800
    Originally Posted by Brugge View Post
    Any individual cashier, or even manager, can decide to not be responsible for doing what we as "professionals" know we are allowed to do. Some folks are just paranoid, and worried about making a large $ mistake that will endanger their jobs. That's all that means....
    I wasn't aggressive or anything. I was just surprised at HER reaction and tone of voice, like she was yelling at a naughty 5-year old.

    I thanked her for her time and moved along to the next open register. At least she learned one thing that day, that it IS POSSIBLE to load the RedBird at her register.
    macrophage is offline  
    Old Dec 17, 14, 9:42 am
      #1914  
     
    Join Date: Jul 2013
    Posts: 71
    I had a friend get the temp card for me (since I don't live in one of the areas that have it). They gave the info to me and I registered it and now have the permanent card that has been activated. Is the temp card now no longer able to access the funds? I assume that would be the case, but I just want to make sure.
    briggek8717 is offline  
    Old Dec 17, 14, 10:52 am
      #1915  
     
    Join Date: Aug 2013
    Location: Orange County, CA
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    I'm still waiting for my card so can't do anything but ask questions. Sorry.

    If I want to pick a card for my daughter (and husband who won't go into the store) should the cards become available nearby, can I purchase the initial cards with my name and SSN as long as the new cards are registered online with the correct name and SSN?
    slhansen219 is offline  
    Old Dec 17, 14, 11:05 am
      #1916  
     
    Join Date: Oct 2014
    Location: Salt Lake City, UT
    Programs: AAdvantage Platinum, DL Diamond 1MM, Hyatt Platinum, SPG Gold, Hilton Diamond, AMEX 2015 Centurion
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    Originally Posted by briggek8717 View Post
    I had a friend get the temp card for me (since I don't live in one of the areas that have it). They gave the info to me and I registered it and now have the permanent card that has been activated. Is the temp card now no longer able to access the funds? I assume that would be the case, but I just want to make sure.
    Being I am still waiting for my redbird to come in the mail (just bought some one eBay), I cannot be positive however, if they are like AFT, then the temp card will no longer be valid AFTER you activate your permanent card. The permanent card should have an entirely different number. Like I said, this is how it was for my AFT cards...Redbird may be different.
    RickyBobby is offline  
    Old Dec 17, 14, 1:09 pm
      #1917  
     
    Join Date: Dec 2014
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    North Carolina update...or not...

    Went to Greensboro store today. Still no availability there or at any of the other three listed in GSO. Manager has no knowledge as to whether there will be availability. Web map that shows availability is outdated/incorrect.
    JimNC is offline  
    Old Dec 17, 14, 1:20 pm
      #1918  
     
    Join Date: Feb 2014
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    Originally Posted by briggek8717 View Post
    I registered it and now have the permanent card that has been activated. Is the temp card now no longer able to access the funds? I assume that would be the case, but I just want to make sure.
    "After you receive your Personalized Prepaid REDcard in the mail and activate it, any remaining balance will be transferred automatically to your Personalized Prepaid REDcard and your Temporary Card will be deactivated."

    https://amex.serve.com/prepaidredcard/faqs/
    rabatt is offline  
    Old Dec 17, 14, 7:05 pm
      #1919  
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    Originally Posted by starbuk View Post
    You don't have to have a non-even number, just load 2,500 no one has reported issues doing so yet.
    actually if you read reports (i.e. mine) I had a card denied 5 times and only approved after having the phone rep approve it for the 6 time and using a non even number.
    Carl Christensen is offline  
    Old Dec 17, 14, 10:04 pm
      #1920  
     
    Join Date: Nov 2012
    Location: LAX
    Posts: 300
    First successful load onto the card today! Went to guest services at an East Bay Target and the person knew exactly what to do with it. Crushed the remaining part of my min spend on two cards with $2500 across three loads. Almost felt too easy... hope this lasts!

    Also, for anyone interested, I got my RB on eBay. Was way worth it to just get it that way rather than call countless Targets or try to go multiple hours out of my way to hunt down one that carries them.
    meehgz is offline  

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