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 May 5, 15, 2:06 pm
      #6121  
     
    Join Date: Aug 2013
    Location: Austin, TX
    Programs: AA EXP, Hilton Gold, Marriott Gold
    Posts: 133
    A few people have have commented on the DansDeals blog saying they called Target Redcard customer service to inquire about this - some have been told no change coming, some confirm it is.

    http://www.dansdeals.com/archives/64598

    I'll leave it up to everyone to decide for yourselves if calling CS is a good idea!
    bswiz is offline  
    Old May 5, 15, 2:07 pm
      #6122  
     
    Join Date: Feb 2014
    Posts: 794
    http://frequentmiler.boardingarea.co...of-may-6-2015/
    exarkun is offline  
    Old May 5, 15, 2:07 pm
      #6123  
     
    Join Date: Feb 2003
    Location: San Rafael, CA
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    1.5 months > 0 months
    schoflyer is offline  
    Old May 5, 15, 2:12 pm
      #6124  
     
    Join Date: Feb 2009
    Posts: 3,460
    Originally Posted by bswiz View Post
    A few people have have commented on the DansDeals blog saying they called Target Redcard customer service to inquire about this - some have been told no change coming, some confirm it is.

    http://www.dansdeals.com/archives/64598

    I'll leave it up to everyone to decide for yourselves if calling CS is a good idea!
    It is pretty funny the number of people on Dan's Deals that have called customer service and their local Target. I don't know what is worse, Dan's Deals or his readers. One person will say don't call your local stores or customer service and then several other commenters will ask why. I'm going to guess 50% of the people who filed complaints after their mistake fare was canceled came from Dan's Deals and the other half came from The Points Guy.
    Astrophsx is offline  
    Old May 5, 15, 2:12 pm
      #6125  
     
    Join Date: Apr 2015
    Posts: 41
    The article says: "Italicized parts are my best guess of the info that she skipped over:" and then the whole "memo" is in italics. So... accurate.
    ComeSailAway is offline  
    Old May 5, 15, 2:17 pm
      #6126  
     
    Join Date: Feb 2004
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    Originally Posted by bswiz View Post
    A few people have have commented on the DansDeals blog saying they called Target Redcard customer service to inquire about this - some have been told no change coming, some confirm it is.
    I confirmed the memo with a friend of mine who works at Target before I went live with my post.
    ctownflyer is offline  
    Old May 5, 15, 2:18 pm
      #6127  
     
    Join Date: Oct 2014
    Posts: 374
    Just loaded 2.5k in Alhambra, Ca. I'm one of their "regulars" and no mention of changes coming. Let's hope!
    winsteven13 is offline  
    Old May 5, 15, 2:19 pm
      #6128  
     
    Join Date: Jul 2014
    Posts: 3,699
    whether rumors are true or not, I just finished my loads so I won't suffer from 'what if syndrome' if memo turns out really enforced tomorrow. Am glad I don't have a million cards.
    Mamibear is offline  
    Old May 5, 15, 2:19 pm
      #6129  
     
    Join Date: Feb 2012
    Posts: 128
    Serve systems refresh nightly at midnight/9pm PST.

    Since rumors are that this is not a hard coded limit, in theory those of us on the west coast can load tonight again after 9pm while it is still 5/5.

    Seems logical correct? I've already loaded max today, but may try again tonight just to ensure I get the full 5k prior to 5/6 - if they enforce no CC effective 5/6.
    dprocuk is offline  
    Old May 5, 15, 2:20 pm
      #6130  
     
    Join Date: Aug 2013
    Location: Austin, TX
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    Originally Posted by ComeSailAway View Post
    The article says: "Italicized parts are my best guess of the info that she skipped over:" and then the whole "memo" is in italics. So... accurate.
    Something in the HTML made the whole thing appear in italics. He just updated it so the "best guess" parts appear in non-bold.

    Edit: Corrected - "best guess" in NON-bold aka regular
    bswiz is offline  
    Old May 5, 15, 2:23 pm
      #6131  
     
    Join Date: Dec 2013
    Posts: 51
    Originally Posted by Astrophsx View Post
    It is pretty funny the number of people on Dan's Deals that have called customer service and their local Target. I don't know what is worse, Dan's Deals or his readers. One person will say don't call your local stores or customer service and then several other commenters will ask why. I'm going to guess 50% of the people who filed complaints after their mistake fare was canceled came from Dan's Deals and the other half came from The Points Guy.
    oh god these idiots will call target and start .....ing them out. Even if these reports turn out to be false, all those calls will increase the risk of them coming true very soon.
    vishalp0826 is offline  
    Old May 5, 15, 2:25 pm
      #6132  
     
    Join Date: May 2014
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    Here's my conspiracy theory:
    It's all a trap. They are not really stopping credit card loads, they just leaked a false memo to get everybody to go load their cards one more time today so that tomorrow they can look at the records and easily see the bulk of who the MS people are! Then in one swoop close all of those accounts.

    ...I'm really just joking as I know they have plenty of tools and data to weed out MS'ers anytime they want..but wouldn't that be a crazy little trick if it was true!
    air360 is offline  
    Old May 5, 15, 2:25 pm
      #6133  
     
    Join Date: Aug 2011
    Posts: 118
    The post above the one about Redbird on DansDeals is how to get 10 pair of underwear for $18.95. Betcha can't do that at Target.
    diogenes2011 is offline  
    Old May 5, 15, 2:27 pm
      #6134  
     
    Join Date: Sep 2011
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    Originally Posted by FederalFlyer View Post
    The WIKI is actually a bit confusing to me:

    PREPAID REDCARD LOAD LIMITS
    Cash loading at Target: ** - $1,000/transaction, $2,500/day

    Q: What are the card’s load limits per transaction at Target?
    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 credit card payment. End of story.

    So, is it really a maximum of 1 load, "[e]nd of story"? Or is it a maximum of $1000 per load, up to 2.5 loads per day, so long as the loads are separate transactions?
    Re-read what you quoted without removing words (the WIKI doesn't say "maximum of 1 load, [e]nd of story." It is not confusing. I've even bolded and underlined to help you.

    I could quote you as: "The WIKI bit me." - those are all words you wrote in the order you wrote them; but, I omitted the parts that make them make sense.
    FindAWay is offline  
    Old May 5, 15, 2:38 pm
      #6135  
     
    Join Date: Mar 2015
    Posts: 26
    Just finished loading in the circle city in IN, and it went almost smoothly.

    Loaded $2.5k over a few transactions, no problems from the CSR. As the last swipe was going, a manager-looking type was watching and commented she was surprised it went through. As I went to leave, she told me that effective tomorrow, credit card loading won't be accepted and the program has always been debit card and cash only.

    Alas Target Redcard. You were great.
    MisterMechE is offline  

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