Prepaid REDcard (Target) 2015-2016

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Nov 24, 2015

Dear XXXXXXXXX,

We want to let you know that we are making a change to your Target Prepaid REDcard® by American Express, and you will no longer be able to add money from your debit card at Target stores. As always, you can continue to add money to your Prepaid REDcard by using:

• Your debit card online through your Account
• Cash at a Target Store
• Direct Deposit (You can automatically add all or part of your paycheck, government benefits and federal tax refunds to your Prepaid REDcard)


DEAD FOR DEBIT CARD LOADS EFFECTIVE 10/12/2015 - MEMO: http://frequentmiler.boardingarea.co...uests-can-use/


DEAD FOR CREDIT CARD LOADS. (Amex GCs Included)

Effective May 6, 2015 registers are hard-coded to not allow credit card reload. PIN-based debit cards are working, however YMMV. PIN-based debit cards may be refused by cashiers.


WHAT IS TARGET PREPAID REDCARD?
Prepaid Redcard is a reloadable American Express card. It is only available to purchase at select Target stores.

    WEBSITE:
    This site may error when in Firefox, especially with adding payees / bill pay. Customer service says to use Chrome or Internet Explorer.
    https://amex.serve.com/prepaidredcard

    PREPAID REDCARD LOAD LIMITS
    Cash (or debit card) loading at Target: ** - $1,000/transaction, $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.
    Daily limits reset at midnight Eastern time, 9 PM Pacific time.

    *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.

    ATM Withdrawals:
    No-fee ATM usage at US Target stores* and U.S. Allpoint network ATMs. (ATM usage not available at any other ATMs.) Find an Allpoint ATM at: www.allpointnetwork.com Note that some ATMs only allow $400/transaction. There is a $750/day and $2,000/month limit to ATM withdrawals.

    RedCard is only available in specific Target stores and is not available in all states. Go to this site to find a list of available locations:https://amex.serve.com/prepaidredcard

    FREQUENTLY ASKED QUESTIONS
    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?
    See post here: http://www.flyertalk.com/forum/manuf...a-63.html#2520
    There is currently a software issue preventing any reload of any kind in NC. It is a known issue but there is no ETA on a fix.

    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 not trained on how to do this and you may have to go to Customer Service.

    Q: What is the most efficient way to drain a RedCard?
    Use BillPay to pay bills. For example, pay the credit card you used to load RedCard with. You can also withdraw money at ATMs.

    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: Does the initial load you put in when purchasing the Redbird count against the monthly limit?
    No. After registering the Redbird online, any loads done will count against your monthly limit, even on your temp card.

    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 card’s load limits per transaction at Target?
    [B]As of 2/2/2015 there is a maximum $1,000 load per transaction. You can no longer load the same RB multiple times (multiple swipes) in 1 transaction. Likewise, you can no longer load multiple RBs (say your's and your spouse's) in 1 transaction. Maximum of 1 load, for $1,000 per debit card payment. End of story.

    Q: What credit cards can I use to reload RedCard in Target stores?
    NONE. As of May 6, 2015, credit cards cannot be used to reload.

    Q: Can I reload with a debit card?
    Yes, but only if the debit card can be authenticated with PIN-number. Signature-based debit that processes on the Visa/MasterCard/AmEx networks will NOT work.

    Q: Can I reload with a prepaid debit card or Vanilla Visa?
    Yes, but only if you have a PIN for that card.

    Q: How can I load 2 debit cards in one transaction? Example 2x$500.
    1. Swipe debit card on my terminal after total comes up $1000.
    2. PIN pad comes up. Enter 4 digit PIN.
    3. Do you want cash back? press NO
    4. Do you want full amount on this card? press NO <<<Note: I pressed YES and did not have a step 5. - PHLisa
    5. Cashier reads something on register, asks how much on this card. $500. They push something to continue.
    6. Swipe card #2. Enter PIN
    7. Repeat 3 to 5. Total: 0.00
    8. Receipt prints. Thank cashier. The end.
    (thanks to Mamibear)

    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 driver’s license, SSN, etc. But, when I got home, I registered the card to my wife. I can’t promise this will work for everyone, but it worked for me.

    Q: Can you reload Serve/Bluebird at Target?
    No.

    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)


    Secure Document Upload
    Here's the link to upload secure documents to REDcard: https://secure.prepaidredcard.com/User/SecureFileUpload
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    Old Jan 1, 15, 11:33 am
      #16  
     
    Join Date: Jan 2013
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    Anyone find a creative way to use the Subaccounts? I was hoping the subs could be used to load at Target, but the terms suggest that's not an option.
    Songer5 is offline  
    Old Jan 1, 15, 11:35 am
      #17  
     
    Join Date: Nov 2006
    Location: LAX
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    Originally Posted by StartinSanDiego View Post
    That's the Amex for Target. It has its own thread.
    Thanks, CS said it was the reloadable ones but I guess she got it mixed up.

    Do I need to give my SSN to target or just write my SSN when I register the card onliine?

    Last edited by metoo; Jan 1, 15 at 11:55 am
    metoo is offline  
    Old Jan 1, 15, 11:52 am
      #18  
    Moderator: Travel Buzz, Chase Credit Cards
     
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    Originally Posted by metoo View Post
    Thanks, CS said it was the reloadable ones but I guess she got it mixed up.
    Yes, you can reload the Amex for Target, so she actually was correct. It just costs $$$. It's $3 to load (up to $1000 at a time) and the first ATM withdrawl (up to $400) is free. It's still a good card to have in the arsenal, but this RedCard Prepaid tops pretty much everything since it's free to load. Just a heads up- to keep the issue really confusing, there is also a RedCard Debit and a RedCard Credit. You want the Redcard Prepaid Debit.
    StartinSanDiego is offline  
    Old Jan 1, 15, 12:18 pm
      #19  
     
    Join Date: Nov 2011
    Posts: 1,942
    Originally Posted by Ritley572 View Post
    Loaded 2 cards successfully just now. $2500 each. Mix of CC load and AGC.
    I loaded three cards with AGC. No questions about name on redcard not matching (the non-existent) name on the AGC.
    silver6054 is offline  
    Old Jan 1, 15, 12:23 pm
      #20  
     
    Join Date: Oct 2014
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    Originally Posted by StartinSanDiego View Post
    You want the Redcard Prepaid Debit.
    You want the Target Redcard Prepaid - it is NOT a debit card as all sister products by American Express i.e. BB, Serve.
    Julian Brennan is offline  
    Old Jan 1, 15, 1:04 pm
      #21  
     
    Join Date: Jun 2014
    Posts: 232
    Originally Posted by bencahn1 View Post
    just got off the phone with Redcard Amex...

    it was a very interesting conversation. she said that at the moment, credit card loads are NOT ALLOWED - - only cash and debit cards. however, she completely understood that somehow credit cards are being used by people, and that apparently i'm not the only one with these "disappearing funds" issues.

    she then told me that they're "working on making it so that credit cards CAN be used to load the redcard"

    so from what i could gather...she was saying that people SHOULDN'T be able to use credit cards to load them, but that they can, and that sometimes issues like disappearing funds crop up, which MIGHT be because the system isn't *technically* set up for such a thing, but that they're working quickly to make it so that you CAN use a credit card to load.


    which, of course, is mind-boggling, considering the fact that you can use credit cards without issue. perhaps she was referring to the bugs in the system here and there, like mine.

    i asked her about three times to clarify what she was saying, just so i could be sure i was hearing her correctly.

    she said, "we are aware from customer feedback that people want to use their credit cards to load the prepaid redcard, and we are working to make this possible".




    bottom line for my case: i now have to drive back to the target at which i did the load, and request a credit slip, and send it to my CC company to help move this along. then they'll work with Amex to figure out just where those missing funds have gone. after that, they'll either credit my redcard account or pay back the CC.


    what's annoying is that in the statement my CC provided me, they have the verbiage as "i, ____ did not authorize the purchase of $2500...." - - i DID authorize the purchase, i just wasn't given the product i paid for.
    Had this issue happen to me today. I've loaded several RBs several times so I know the drill. In my case I believe the reason for my issue (and for yours) is that the Target systems will gladly load above the daily limit for temp or perm cards and charge your CC but the AmEx account wont post transactions above the daily limit. Between the two cards this happened to me on, $1,000 has disappeared somewhere. As bencahn said, I will likely dispute the transaction with the CC issuer if it posts as more than what was actually loaded to the AmEx account.

    As expected, the Target employees are at a loss as to what to do and eventually just said to call the number on the back of the Redcard.
    justinh20 is offline  
    Old Jan 1, 15, 1:20 pm
      #22  
     
    Join Date: May 2010
    Posts: 30
    My past 2 experiences with Target are leaving me frustrated. Yesterday I went to load $100 onto my RB at the Target CS desk (the cashiers at my target are hesitant to load). The cashier selected "K3" or credit card for payment method, and got a message saying invalid payment method. I tried again today. same problem. I called the RB CS number and the rep told me they needed to be processed as cash load, but that I could use my credit card that way. I reported this to the cashier, she tried to process as cash, her register popped open and she had to void the transaction.
    She turned the monitor towards me, and went through all the steps.
    Swipe card.
    when prompted how much to load entered 1000.
    then select payment type, selected k3, credit card.
    I swipe my card, it asks if 1000 is okay. I say yes, and sign my name.
    Show her the final four numbers, she enters them.
    Error message pops up saying invalid payment method.

    I loaded no problem on the 20th.

    anyone know what's going wrong?
    spear76 is offline  
    Old Jan 1, 15, 1:23 pm
      #23  
     
    Join Date: Aug 2013
    Posts: 415
    Loaded $2500 to my Redbird this morning and just got the following email:

    During a recent review of your Target Prepaid REDcard® Account we noticed unusual activity. You may experience limitations while using your Account.

    In order for us to authorize you and continue to service your Account safely and securely, please call Account Protection Services at 1-800-555-4318.
    This isn't related to a debit card. I did withdraw $400 via ATM this morning. I usually do just use the billpay feature but needed the cash a bit quicker this time.

    However, I loaded $2500 to my other Redbird and withdrew $600 via ATM and have no issues. Interestingly, I wanted to withdraw $600 on the other one as well but it didn't let me. Maybe they have some mechanism to detect 2 Redbirds withdrawing in close proximity at a single ATM?
    ttlmmky is offline  
    Old Jan 1, 15, 2:21 pm
      #24  
     
    Join Date: Dec 2014
    Posts: 10
    something is changing

    I tried to load at CS desk today, was told debit only.
    Tried at cashier's line, after swipted the card, refund a transaction menu popped up, asking for receipt.

    Worked fine in Dec.
    visualage202 is offline  
    Old Jan 1, 15, 2:58 pm
      #25  
     
    Join Date: Nov 2006
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    Originally Posted by StartinSanDiego View Post
    Yes, you can reload the Amex for Target, so she actually was correct. It just costs $$$. It's $3 to load (up to $1000 at a time) and the first ATM withdrawl (up to $400) is free. It's still a good card to have in the arsenal, but this RedCard Prepaid tops pretty much everything since it's free to load. Just a heads up- to keep the issue really confusing, there is also a RedCard Debit and a RedCard Credit. You want the Redcard Prepaid Debit.
    At home with the Target Red Prepaid card with AMEX logo on bottom right hand corner. Will need to cancel my serve after I finish my MS early this month.

    Hope things haven't changed at Target since I got this card.

    Nothing in Wikii about not getting MR points for using AMEX card to load so i am good to go , right?

    Also, I guess no ATM withdrawal on temporary card, correct?
    metoo is offline  
    Old Jan 1, 15, 3:01 pm
      #26  
     
    Join Date: Nov 2014
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    Originally Posted by visualage202 View Post
    I tried to load at CS desk today, was told debit only.
    Tried at cashier's line, after swipted the card, refund a transaction menu popped up, asking for receipt.

    Worked fine in Dec.
    Were you loading with gift cards or a CC? If CC which CC and did you check for fraud alerts?

    I loaded 2x $2500 this morning at my local target.

    One card was $600 via AGC and $1900 via Chase Sapphire Preferred

    Other card was $2500 via Amex OBC (towards $6500 calendar year spend)

    No isses at all.
    Ritley572 is offline  
    Old Jan 1, 15, 3:02 pm
      #27  
     
    Join Date: Nov 2014
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    Originally Posted by spear76 View Post
    My past 2 experiences with Target are leaving me frustrated. Yesterday I went to load $100 onto my RB at the Target CS desk (the cashiers at my target are hesitant to load). The cashier selected "K3" or credit card for payment method, and got a message saying invalid payment method. I tried again today. same problem. I called the RB CS number and the rep told me they needed to be processed as cash load, but that I could use my credit card that way. I reported this to the cashier, she tried to process as cash, her register popped open and she had to void the transaction.
    She turned the monitor towards me, and went through all the steps.
    Swipe card.
    when prompted how much to load entered 1000.
    then select payment type, selected k3, credit card.
    I swipe my card, it asks if 1000 is okay. I say yes, and sign my name.
    Show her the final four numbers, she enters them.
    Error message pops up saying invalid payment method.

    I loaded no problem on the 20th.

    anyone know what's going wrong?
    Same questions I asked above. Did you check for fraud alerts if you were using a CC?
    Ritley572 is offline  
    Old Jan 1, 15, 3:03 pm
      #28  
     
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    Deleted.

    Last edited by jan_believes; Jan 29, 15 at 10:29 pm
    jan_believes is offline  
    Old Jan 1, 15, 3:09 pm
      #29  
     
    Join Date: May 2010
    Posts: 30
    Originally Posted by Ritley572 View Post
    Same questions I asked above. Did you check for fraud alerts if you were using a CC?
    No fraud alerts. It was a new card, but that wasn't the issue. I used the card to make several other purchases. The error that was presented was "invalid payment method". I then tried another card, and got the same message.

    I've got another Target in my area, so I'll try there too.
    spear76 is offline  
    Old Jan 1, 15, 4:30 pm
      #30  
     
    Join Date: Jan 2013
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    Originally Posted by jan_believes View Post
    The last few posts are disconcerting.

    Haven't done this yet and my DD will have to buy one for me in participating state. Don't want to put her through needless stress with employees unfamiliar with the card and/or the process.


    Please update the Wiki if recent changes become true data points. Thanks.
    For what it's worth, I've had nothing but truly easy and pleasant transactions. FYI, I don't do $2500 on a single swipe. I do 3 swipes ($999, $998 and $503) on three different cards.
    Songer5 is offline  

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