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Old Jan 10, 2015, 9:20 pm
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: NoonRadar

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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    Prepaid REDcard (Target) 2015-2016

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    Old Apr 15, 2015, 8:17 pm
      #5221  
     
    Join Date: Oct 2010
    Location: BOS
    Posts: 814
    Originally Posted by TMM1982
    Clerk gone rogue

    No - the USPS actually trains their employees to not accept unsigned credit cards. Many cards will indicate "void if not signed" and by taking a void credit card USPS runs the risk of not getting paid for the transaction as the card was not valid.
    xSTRIKEx6864 is offline  
    Old Apr 15, 2015, 8:24 pm
      #5222  
     
    Join Date: Apr 2015
    Posts: 116
    Originally Posted by kharlamov
    At the local post office today, a clerk lectured a customer about the fact that the back of his credit card was not signed for about five minutes while there was a long line of customers waiting to be served. Clerk said she would process payment one time as a favor for the customer, but said she would not process payments for customer in the future using unsigned card. Customer said that he hasn't signed his credit cards for the past 20 years, but clerk told him that things have changed and repeated that she will not accept payments using unsigned cards in the future.
    Originally Posted by TMM1982
    Clerk gone rogue
    This has been official USPS policy for decades. It's even been posted to their website at http://about.usps.com/signs/sign145/welcome.htm since at least 2006-

    Originally Posted by USPS_Payment_Acceptance_Policies
    The Postal ServiceTM accepts the following credit cards for the purchase of most Postal Service products and services:

    • Visa
    • American Express®
    • Diners Club
    • MasterCard
    • Discover/Novus
    • JCB
    All credit cards must be signed.
    Sedentary is offline  
    Old Apr 15, 2015, 8:31 pm
      #5223  
     
    Join Date: Feb 2015
    Location: Sacramento
    Programs: RR, QS, AS MP, SPG
    Posts: 233
    Registered a card in mother in law's name... Requires photo and proof of address documentation... She lives in Chicago, we live in CA... We registered to our address in CA... Are we SOL now? Please advise
    CASACW2 is offline  
    Old Apr 15, 2015, 8:37 pm
      #5224  
     
    Join Date: Jan 2013
    Posts: 13
    Originally Posted by Brugge
    I'm assuming you are trying to load your RB with your Citi cards. If so, it's Easy Peasy:

    Call the number on the back of the card, and tell the CSR you want to give notification of some upcoming "large purchases". They will transfer your call to another department that handles this.

    When you get transferred, tell them $3000 of upcoming "in store" "retail purchases". No need to tell them which store, nor what you are buying. Just the $ amount, and that it will be "in store, retail purchases".

    They will approve your card for up whatever amount you told them, but its only good for 48 hours. So then you can go to Target 2 days in a row and load $1500 each time. Wait a few days, call in again, and tell them $2K this time. Then go in once and load $2K, and your RB is done for the month.

    Yes, I know it's a PITA to do this, but it's much better than the FAs. After you do this for a couple of months, the computer should figure out that this is "normal behavior" for you, and you won't have to do it anymore. (YMMV)
    Thanks to everyone who replied to my Citi woes...the pre-call seems like my best solution.
    Huntgas is offline  
    Old Apr 15, 2015, 9:02 pm
      #5225  
     
    Join Date: Feb 2015
    Posts: 119
    Originally Posted by David_
    Does the Serve debit card trick work the same way with the REDcard's online system? As in can you add a CC as a debit card for online loads?
    Recieved the card today and can confirm that the trick does not work.
    David_ is offline  
    Old Apr 15, 2015, 9:08 pm
      #5226  
     
    Join Date: Aug 2014
    Posts: 82
    Originally Posted by NoonRadar
    Yes, the debit limit is same as Serve, $200/day, $1K/month, credit card limit is $5K/month, $2.5K/day, $1K/transaction. Some NYC stores though have implemented $1K/day limits since Feb, a couple even $500/day limit. I will PM you a post I wrote about the current Redbird situation in NYC.

    Can you PM as well? thanks!
    psykopath515 is offline  
    Old Apr 15, 2015, 9:22 pm
      #5227  
     
    Join Date: Feb 2015
    Posts: 910
    Originally Posted by CASACW2
    Registered a card in mother in law's name... Requires photo and proof of address documentation... She lives in Chicago, we live in CA... We registered to our address in CA... Are we SOL now? Please advise
    First, wish you'd asked before you did that. Amex tries to match the info you input during registration with public records, if it can't match it it asks questions from public profile or in many cases asks people to upload documents as proof.

    Assuming your mother in law is willing to help you out, such as uploading documents, you can register her under her address, either by changing the registration on the current profile you made or by getting a new Redbird and making another registration profile. I have no data points on this so I'm not sure that it will let you register her again with a new card & profile, since her current registration is pending (of sorts). If it doesn't you can always go the other option, of changing her address on the current profile.

    In your shoes I'd try these two options in the order I mentioned them (hoping that if you try to register with a new Redbird and the system doesn't flag her as a current Redbird acct holder, no human would be looking at the acct, since it wasn't flagged), the worst thing that will happen to you is that you won't get a second Redbird under her name. Hypothetically Amex can decide to ban her from having a prepaid acct for a while but I don't see it being likely at all; she could have been reasonably thinking she would need to register with her daughter/son's address since that is where she got the temporary activated Redbird card, then realized the mistake and corrected it.

    Whatever you decide to do, it would be nice of you to update us as to what ends up happening, whether Amex approves it.

    P.S. This doesn't apply to you, but for anyone thinking this....someone had seen my comments on blogs and emailed me asking whether it would be a good idea for him to photoshop a SS card and register for another Redbird. Def NO! Do not even think about falsifying documents to register for a financial acct, which Redbird is.
    NoonRadar is offline  
    Old Apr 15, 2015, 9:32 pm
      #5228  
     
    Join Date: Feb 2015
    Posts: 910
    Originally Posted by psykopath515
    Can you PM as well? thanks!
    I will, but because I got a few PMs I wanna clarify that there was nothing secret on that post that I refered (which is public and can be read at my home page) it is data points reported from people in diff blogs, mostly of no go stores and other limits implemented by stores in NYC since Feb.
    NoonRadar is offline  
    Old Apr 15, 2015, 9:43 pm
      #5229  
    FlyerTalk Evangelist
     
    Join Date: Jul 2003
    Location: Florida
    Posts: 29,763
    Originally Posted by NoonRadar
    P.S. This doesn't apply to you, but for anyone thinking this....someone had seen my comments on blogs and emailed me asking whether it would be a good idea for him to photoshop a SS card and register for another Redbird. Def NO! Do not even think about falsifying documents to register for a financial acct, which Redbird is.
    Falsify a government issued document just to MS?

    Not just for financial account, but falsify a government issued document, like birth cert, marriage cert, SS card, that sort of paper, isn't it a felony?

    Does the person ask such stupid question really mean it or he is truly an idiot?

    It is also amazing that after the AMEX prepaid products been in the market for over 2 years (when BB was first introduced) people still dont think that AMEX would use public records to verify the registrant to make sure you are who you say you are? Register whoever is willing to help you on your MS quest, with TRUE information. Then ask the helper to mail the perm card to you once it arrives.

    Last edited by Happy; Apr 16, 2015 at 5:04 pm
    Happy is offline  
    Old Apr 15, 2015, 10:34 pm
      #5230  
     
    Join Date: Feb 2015
    Posts: 910
    Originally Posted by Happy
    Not just for financial account, but falsify a government issued document, like birth cert, marriage cert, SS card, that sort of paper, isn't it a felony?
    True, my greater point was about any document, in case someone who reads this thread was thinking of photoshoping a bank or utility statement if asked by Amex or another bank to upload or send them the said requested document.
    NoonRadar is offline  
    Old Apr 16, 2015, 12:14 am
      #5231  
     
    Join Date: Apr 2014
    Posts: 129
    Originally Posted by CASACW2
    Registered a card in mother in law's name... Requires photo and proof of address documentation... She lives in Chicago, we live in CA... We registered to our address in CA... Are we SOL now? Please advise
    SOL.
    ur gonna need to provide ID and utilities with her name on the registered addy
    if not, they will mail u a check
    and no, they will not allow u to change the address from what was registered
    jsmithj88 is offline  
    Old Apr 16, 2015, 6:52 am
      #5232  
     
    Join Date: May 2010
    Posts: 688
    How to locate SuperTargets? So I've read that Amex Hilton Surpass has mixed results with Targets, some charge as a store and some SuperTargets charge as grocery (6x bonus). Does anyone know how to locate the supertargets? I've tried on the target website but they all some up as Targets. The only ones i've found on google are in Florida.
    rtraveler is offline  
    Old Apr 16, 2015, 7:57 am
      #5233  
     
    Join Date: May 2010
    Posts: 688
    So I was looking at my AMEX SPG card and I see that the two Target stores are categorized as "Wholesale Stores". Shoprites and Stop & Shop are categorized as "Groceries". So I won't be using the AMEX Hilton Surpass with the Redcard.
    rtraveler is offline  
    Old Apr 16, 2015, 8:43 am
      #5234  
     
    Join Date: Sep 2013
    Programs: AA Lifetime Gold
    Posts: 3,677
    Originally Posted by rtraveler
    So I was looking at my AMEX SPG card and I see that the two Target stores are categorized as "Wholesale Stores". Shoprites and Stop & Shop are categorized as "Groceries". So I won't be using the AMEX Hilton Surpass with the Redcard.
    Correct, AFAIK no AMEX card codes Target as a grocery. So RB isn't a good use for the Surpass. But of course, GCs, and RLs if you can get them, purchased at actual grocery stores like Safeway do get the bonus points.
    Brugge is offline  
    Old Apr 16, 2015, 10:09 am
      #5235  
     
    Join Date: Apr 2015
    Posts: 36
    Is there a ready reckoner where we can check up how different CCs code Targets by location. I know it requires some data crunching but I guess worth to ask the question before I start my research
    tyr10n is offline  


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