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 Mar 5, 15, 11:05 am
      #3406  
     
    Join Date: Sep 2013
    Programs: AA Lifetime Gold
    Posts: 3,677
    Originally Posted by mittenfingerz View Post
    I didn't want my wife eating up my GC supplies and bothering my WM cashiers either, so I forbid her from MS haha
    Brugge is offline  
    Old Mar 5, 15, 11:17 am
      #3407  
     
    Join Date: Jul 2001
    Programs: Marriott LT Tit; Hyatt Explorist; Hilton CC Gold; IHG CC Plt; Hertz (MR) 5 star
    Posts: 5,536
    Originally Posted by Brugge View Post
    Lunged for the jugular? Not to mention that the OP quickly admitted that they are not married. That in itself is a violation of Sharia law.

    It seems to me that living under Sharia law would pretty much preclude using RB to MS. Sharia law forbids using financial instruments that include interest. So Miles and Points cards would be forbidden.
    I'm not at all advocating the concept of ordering a spouse to do/not do something. However, not everyone is a western Christian on this forum.

    Poor verbage on Carlitos' part. It would have been a more proper course of action to tread lighter.

    We knew that Carlitos and his girlfriend aren't married AFTER the initial attack, not prior to it.

    I doubt that MS would be forbidden under Sharia law, although I can't state for certain on that matter. There is no interest charged on several rewards cards, such as the Suntrust Delta Debit Card.

    A bit too much political correctness that can lead to political incorrectness.


    Edit:
    Originally Posted by roki View Post
    If anything, medical personnel would probably be better with RB, because at least half the success of MS is being kind and personable. My wife is a full-time nanny and no one questions a cute 20-something with a baby on her hip!

    Let's keep this on topic, please--the past few posts could easily explode into something more.
    My apologies; didn't see this until after I posted. Feel free to delete all of my posts on the subject if it defuses the situation.


    Raking someone over the coals for less than 'perfect' verbiage seems to be almost as much of a hobby here as MS. Usually in the name of Politically incorrect Correctness.
    iflyjetz is offline  
    Old Mar 5, 15, 11:29 am
      #3408  
     
    Join Date: Sep 2013
    Programs: AA Lifetime Gold
    Posts: 3,677
    Originally Posted by iflyjetz View Post
    There is no interest charged on several rewards cards, such as the Suntrust Delta Debit Card.

    A bit too much political correctness that can lead to political incorrectness.
    And since this is a thread about using no fee debit cards. Oh, wait....

    IMHO so called "political correctness" is never correct.

    In more important matters, are there any more data points on the reported shut down of RB accounts for doing what all of us are doing?

    I'm still waiting for the OP to post whether the mentioned "unloading" was thru BP, or ATM withdrawal and bank transfers...
    Brugge is offline  
    Old Mar 5, 15, 12:16 pm
      #3409  
     
    Join Date: Sep 2013
    Programs: AA Lifetime Gold
    Posts: 3,677
    Report of RB Shutdown a Hoax?

    View From The Wing has a post on the shut down report being a hoax:

    http://viewfromthewing.boardingarea....hoax/#comments

    Which is also being discussed on the FT thread about it:

    http://www.flyertalk.com/forum/manuf...lasted-21.html

    Which is what I imagined from the first, as it made no sense that AMEX had shut down one or two accounts for doing the same thing that thousands of us have been doing all along with RB. Not to mention having done for years with BB.
    Brugge is offline  
    Old Mar 5, 15, 12:39 pm
      #3410  
     
    Join Date: Jul 2001
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    Originally Posted by Brugge View Post
    And since this is a thread about using no fee debit cards. Oh, wait....

    IMHO so called "political correctness" is never correct.

    In more important matters, are there any more data points on the reported shut down of RB accounts for doing what all of us are doing?

    I'm still waiting for the OP to post whether the mentioned "unloading" was thru BP, or ATM withdrawal and bank transfers...
    Sorry to have touched off a small firestorm with respect to Carlitos' post. We've all phrased things poorly at some time. I'm terrible about choosing the wrong word/verbiage to express a thought, so I usually approach something like his 'forbid my wife' post with humor rather than launching into full PC mode.


    As for other datapoints, I'll do a lengthy post in the other thread on the subject. I dug up some stuff on dansdeals; doesn't EXACTLY match the most recent spate of letters (real/fake?) but the guy posted that he had 2 RB accounts closed more than a week ago.
    iflyjetz is offline  
    Old Mar 5, 15, 1:16 pm
      #3411  
     
    Join Date: Sep 2013
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    Posts: 3,677
    Originally Posted by iflyjetz View Post
    Sorry to have touched off a small firestorm with respect to Carlitos' post.
    Less a "firestorm" than a tempest in a teapot.

    Just some minor discussion about divergent viewpoints. Not a big deal either way.

    Now if the RB shutdown reports had been real, that would have been a tragedy. Especially since Evolve is now useless due to a 3% fee, and it seems using RLs on TM just lost it's no fee status as of today.
    Brugge is offline  
    Old Mar 5, 15, 3:01 pm
      #3412  
     
    Join Date: Feb 2015
    Location: Sacramento
    Programs: RR, QS, AS MP, SPG
    Posts: 233
    small (~$90.XX) test load successful today at the ghetto Target on Broadway/Riverside (Sacramento)..

    Heard one of the GS ladies tell another one.. "I wonder how they're gonna react to the new policy..."

    Could have meant for the CC loader (me)... or something completely unrelated.
    CASACW2 is offline  
    Old Mar 5, 15, 3:52 pm
      #3413  
     
    Join Date: Mar 2014
    Location: NYC
    Programs: DL Platinum, AA EXP, UA Silver, Hyatt Globalist, Bonvoy Plt / LTG, Amtrak Select+
    Posts: 848
    Originally Posted by golf7 View Post
    Just wanted to add a data point of success loading at the 116th St Harlem Target in NYC on Tuesday night. They ask for ID along with CC and RedBird. All 3 names have to match, which is fantastic, as it allows us to continue to use the product, without having fraudsters ruin it for us all
    Place is so inconsistent. Went there this afternoon with Redbird + 2 AFTs and reloaded without ID, just asked for last 4 digits of the card. Also saw someone loading a redbird with odd 900ish amount at a cashier (also successful)
    uppereastsider is offline  
    Old Mar 5, 15, 4:27 pm
      #3414  
     
    Join Date: Jan 1999
    Location: St Paul 02/04...not flying Delta
    Posts: 2,324
    Other Redcard Uses

    After all, it is an AMEX card. I know I can maximize points by maxing out my Redcard and using it for none credit card transactions (mortgage, friend's rent) and paying off some cc bills. But I thought I would reduce some of my VISA spending at other stores and use the Redcard. (Except for 2x or 5x promo periods.) My way of tossing a bit more business to AMEX. Not costing me much, but will increase my Redcard activity.
    Comicwoman is offline  
    Old Mar 5, 15, 5:19 pm
      #3415  
     
    Join Date: Jan 2015
    Posts: 94
    Planning a trip to Disneyland/Anaheim next week and was wondering if anyone has had any luck finding Redcards in that area. TIA
    beagledog11 is offline  
    Old Mar 5, 15, 6:23 pm
      #3416  
     
    Join Date: Dec 2014
    Location: Redbird Wasteland of NC
    Posts: 62
    Attempted to load at my usual RB here in NC, despite the recent reports. No luck today.

    Tried to go to a cashier (one who has helped me before) and she said you have to do these at service desk now. Walked around store instead and then went to another cashier (new one) - same story, so no sneaking by here.

    Service desk had a CSR who has also helped me in the past. She told me they are no longer allowed to do them (as others have reported). She then went on to tell me that I'll have to go to Virginia or South Carolina. I guess that's the line from management now. No clue if there is still a technical issue as no one would load it. I *did* however use it to buy something - but that's a different register option.

    Oh well, looks like it's dead here. Sigh.

    Please report if you've had success anywhere around the area. This was the 540 store.
    doldrim is offline  
    Old Mar 5, 15, 6:28 pm
      #3417  
     
    Join Date: May 2011
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    Originally Posted by uppereastsider View Post
    Place is so inconsistent. Went there this afternoon with Redbird + 2 AFTs and reloaded without ID, just asked for last 4 digits of the card. Also saw someone loading a redbird with odd 900ish amount at a cashier (also successful)
    Hey I am an uppereastsider also planning on going to 117 St target as soon as I close my serve and register my RB . Do you have to go to customer service or do it at register . What's an AFT ?
    Thanks

    Last edited by PETERPNYC; Mar 5, 15 at 6:39 pm
    PETERPNYC is offline  
    Old Mar 5, 15, 7:05 pm
      #3418  
     
    Join Date: Sep 2004
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    Originally Posted by Brugge View Post
    I thought the same thing. If the wording had been "I recommend that she doesn't"... that would have been one thing. But the OP said "I do not let her MS". That's not advice, that's an order. Posting that comment is just asking for an negative response.

    Frankly, I can't imagine what having "financial degrees" has to do with using RB. I really doubt more than a few percent of us on this thread have such degrees. And as for "she has plenty of miles saved from normal spending and the time she opened her CC's () " with the ongoing program devaluations and disappearing methods of MSing, having "plenty" of miles only makes sense to me if you have no intention to travel in the future.

    Since the whole point of this thread is how to maximize our acquisition of miles and points, I can't imagine why someone would post "we have plenty of miles and points" for our "hobby" on this thread. If someone feels that way, fine, but it's not in line with the nature of this thread.
    LOL, true, that was an order. But she is OK with it as long as she can go buy plenty of shoes without her BF complaining about how she spends her money . Also, her schedule at work does not let her travel plenty of times a year. I, on the other side, have plenty of time to travel thanks to what I do for a living. So I do travel a lot more than what she does, meaning I need way more miles than her ... she has enough for the couple of trips she can make with me in a year, and does not even want to understand what my hobby is.

    But yes, back to topic. We are here talking about religion while lots of FT's are worried about Amex closing RC for doing similar loads and immediately Bill Paying same products used to load
    carlitos is offline  
    Old Mar 5, 15, 7:18 pm
      #3419  
     
    Join Date: Sep 2012
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    Posts: 311
    Originally Posted by beagledog11 View Post
    Planning a trip to Disneyland/Anaheim next week and was wondering if anyone has had any luck finding Redcards in that area. TIA
    Several have reported finding them in the Target on Harbor Blvd in Garden Grove. This is third hand and its been several weeks since I've seen anyone mention it. I only remember it being mentioned because I *used* to live in that area.
    gloobnib is offline  
    Old Mar 5, 15, 7:24 pm
      #3420  
     
    Join Date: Sep 2012
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    Posts: 311
    Originally Posted by Brugge View Post
    it made no sense that AMEX had shut down one or two accounts for doing the same thing that thousands of us have been doing all along with RB. Not to mention having done for years with BB.
    Just be aware there is a first time for everything. While *I* am still going strong with OBC (another AMEX product), droves of people were shut down for doing what was previously considered 'safe'. IIRC that, with OBC, everyone was under the impression that as long as you didn't lie on your application (and could thus pass a FR), you had nothing to worry about. That lasted until AMEX changed the 'rules' on us.

    FWIW, I think the shutdowns are either a hoax or a very isolated group of people who did things to raise red flags with AMEX. But, I am open minded enough to think that it is possible that this is the leading edge of a wider crackdown. The more time that goes by without droves of others reporting in that they were shutdown, the less likely this is 'doomsday' for RB.
    gloobnib is offline  

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