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.
  • Things to know when considering the Redbird card
    • Redbird can only be purchased in store. Cannot register online without temp Redbird card.
    • Temp Redbird cards CANNOT be purchased with CC with initial load of up to $500 (minimum load appears to be $1, although documentation states $0.01 (see post #654)).
    • Cannot have an existing Bluebird or Serve account. If you have an existing Bluebird or Serve account, you will need to close that account before registering for the permanent Redbird card.
    • See FAQ below for answers to common questions before posting

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 Jun 15, 15, 11:42 am
  #8476  
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Thanks for taking the time to post a detailed progress report. Truly appreciated.

Your experiences prompted me to clear out the balance of my RB today. Thinking about to return to Serve anyway so this seems to be enough reason to do it this month rather than next month.

OT

Talk about SW issue, may be you can shred some light on this.

Currently have an inactive $50 Sam's Club GC bought online using the AMEX $20/$20 offer (split payment on 2 AMEX cards). Apparently this is a widespread issue that the online activation link failed. Currently no estimated time frame for the fix. I cannot understand why they cannot simply manually activate the card at their end because the purchase has already been paid for.

From what I read on SD site, a poster opened a ticket on 6/2, got an email on 6/12 "issue resolved". Yet his card remains inactive. Some others got their cards activated without any notice. Only way to find out is to check balance everyday until the balance shows up finally, about 5+ days.

Yet there is also one poster received phone call that asked for a whole bunch of ID questions incl DOB and SSN! For a lousy $50 Sam's Club GC!

The most amazing post was about a CSR took the trouble to dig thru the activation link and informed the customer that the card associated with the activation link, was NOT the card being sent - it has one different digit!

How could this ever happen? Surely those gift card numbers are NOT manually input at Sam's End when they sent out the activation emails? Or they are indeed manually put in and they just mess up a whole bunch of the inputs?!
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Old Jun 15, 15, 11:51 am
  #8477  
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Originally Posted by silver6054 View Post
I believe Happy was talking about the current situation. She has two strikes against RB:

1) They don't support Amex deals, whereas BB/Serve cards do
2) She finds Target clerks/managers MORE likely to invent and impose rules than Walmart.

In the case of 2), if and when my local targets stop accepting debit cards (or enough clerks do to make it an unpleasant experience) then I guess I would convert back to BB (unless Walmart does the same). As previously indicated, 1) isn't of so much concern to me.
Correct.

Also I would drop by WalMart (mainly neighborhood stores) anyway and the Serve can be loaded on the same visit for $1500 on one transaction. If the register is not busy, could do the remaining $1000 then I am done of the daily limit. Seriously doubt I could pull the same $1500 let alone $2500 on a single visit to Target.

The primary reason of getting the RB for me was the CC load which we all knew wouldn't last. I only have one month advantage on my own card due to our state does not offer the card. Luckily I did not incur cost to source my RB. Else it would be much ado for nothing.

Interestingly at another Target the CS lady comments that "We still dont have this." while in January they had no idea of this card when we first dropped by. Apparently there were enough people loading the RBs at that location now they are well aware of this card to the point even the staff themselves are watching for when the store will finally offer it.
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Old Jun 15, 15, 12:50 pm
  #8478  
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Originally Posted by Sunburn644 View Post
Today was the first time I was ashed for anything beyond "how much do you want to load?"

They wanted to see ID ( I was loading the wife's card, so no go) and they also wanted to see the debit cards and refused to allow me to use the VVs. Just a headsup to be careful out there.
Loaded 4 of my 5 cards that I manage for 8k spread over them. Mixture of VGC of 500 and 200 varieties.
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Old Jun 15, 15, 1:36 pm
  #8479  
 
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Originally Posted by Happy View Post
Seriously doubt I could pull the same $1500 let alone $2500 on a single visit to Target.
Again feeling very lucky with my local Targets. Loaded $2500 (5X $500 OVs) on June 1st, and then the same on June 2nd. Not even to my RB, the one with DW's (obviously female) name on it. I just wait for the line to empty out, which usually takes 3 or 4 minutes, then the whole 5X load takes less than 2 minutes.
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Old Jun 15, 15, 2:58 pm
  #8480  
 
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Originally Posted by Brugge View Post
Again feeling very lucky with my local Targets. Loaded $2500 (5X $500 OVs) on June 1st, and then the same on June 2nd. Not even to my RB, the one with DW's (obviously female) name on it. I just wait for the line to empty out, which usually takes 3 or 4 minutes, then the whole 5X load takes less than 2 minutes.
Do you split payment or do back to back $500 loads?
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Old Jun 15, 15, 3:10 pm
  #8481  
 
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Great! A one-stop, MS shop.

CVS to Pay $1.9 Billion for Pharmacies Inside Target Stores:

http://finance.yahoo.com/news/cvs-pa...111016794.html
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Old Jun 15, 15, 3:40 pm
  #8482  
 
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Originally Posted by Radster View Post
Great! A one-stop, MS shop.

CVS to Pay $1.9 Billion for Pharmacies Inside Target Stores:

http://finance.yahoo.com/news/cvs-pa...111016794.html
EEEEEEEEE!
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Old Jun 15, 15, 4:24 pm
  #8483  
 
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Originally Posted by Sunburn644 View Post
Today was the first time I was ashed for anything beyond "how much do you want to load?"

They wanted to see ID ( I was loading the wife's card, so no go) and they also wanted to see the debit cards and refused to allow me to use the VVs. Just a headsup to be careful out there.
I loaded last week at a cashier after the CSR said they don't load them with GC anymore. This was off of 695 near Towson
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Old Jun 15, 15, 4:50 pm
  #8484  
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Originally Posted by Brugge View Post
Again feeling very lucky with my local Targets. Loaded $2500 (5X $500 OVs) on June 1st, and then the same on June 2nd. Not even to my RB, the one with DW's (obviously female) name on it. I just wait for the line to empty out, which usually takes 3 or 4 minutes, then the whole 5X load takes less than 2 minutes.
Originally Posted by Superorb View Post
Do you split payment or do back to back $500 loads?
Same Question here. Have never done split at TGT. Would like to know the mechanism as well.
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Old Jun 15, 15, 5:07 pm
  #8485  
 
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Originally Posted by Happy View Post
Think about how much you stand to lose on the AMEX sync offers, especially when it comes to the generous Small Business Saturday.
Yeah, Vanillas are very common in the MS world, plus often $1 less for activation fee compared to grocery stores $500 VGC.

As to the Amex offers, many people already have other Amex cards to do this with. As to how much for Amex offers, Dr of Credit did a post on the estimated annual savings of Amex offers and concluded:
it’s fair to put a value of around $200 annually for each additional Amex card one can procure, given the current conditions, if someone is pretty aggressive about taking advantage of the offers. For a more moderate user, $100 per year could be a fair estimate.
When I factor in the extra time spend for Amex offers + the extra cost of Serve/Bluebird + the sh*tty Walmart cust service (being that my local Walmarts don't have KATE) that I can barely stand when sparsely shopping there + the fact that I'd be missing out on Vanillas, especially the savings on offers that stores such as Office Depot/Max and WAG run, the math comes = there's no way you're convincing me to convert from Target's Redbird to Walmart's Serve/Bluebird.

But most importantly, being that personal preference as well as local availability are the two most important factors that would make someone pick Redbird or Serve/Bluebird, your biased post opening with a loaded question, as well as the following arguments are rather pointless, and ineffective, imho
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Old Jun 15, 15, 5:27 pm
  #8486  
 
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Originally Posted by NoonRadar View Post
your biasedpost opening with a loaded question, as well as the following arguments are rather pointless, and ineffective, imho
Hey, don't hold back, tell us what you really think.

Um, maybe not....

Not that I disagree with you, at least about WM, and most likely about the value of multiple AMEX cards, where the statement credits may only offset the AFs. And lately the Small Bus Sat credits are less valuable, and some of the merchants much less happy to see me, due to the increased AMEX fees for small businesses.

Happy is one of the most knowledgeable, intelligent, and helpful posters on this and many other FT threads. No need for the animosity. Disagree on a factual basis and we may all learn something useful from the ensuing dialogue.
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Old Jun 15, 15, 5:49 pm
  #8487  
 
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Originally Posted by Superorb View Post
Do you split payment or do back to back $500 loads?
Back to back loads. Once the CS person has the RB in their hands, and understands I'm going to do 5 loads of $500 each, each one takes about 20 to 25 seconds, so @2 minutes total. Slowest part is just waiting for the printer to print the receipt.
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Old Jun 15, 15, 6:17 pm
  #8488  
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Originally Posted by NoonRadar View Post
Yeah, Vanillas are very common in the MS world, plus often $1 less for activation fee compared to grocery stores $500 VGC.

As to the Amex offers, many people already have other Amex cards to do this with. As to how much for Amex offers, Dr of Credit did a post on the estimated annual savings of Amex offers and concluded:


When I factor in the extra time spend for Amex offers + the extra cost of Serve/Bluebird + the sh*tty Walmart cust service (being that my local Walmarts don't have KATE) that I can barely stand when sparsely shopping there + the fact that I'd be missing out on Vanillas, especially the savings on offers that stores such as Office Depot/Max and WAG run, the math comes = there's no way you're convincing me to convert from Target's Redbird to Walmart's Serve/Bluebird.

But most importantly, being that personal preference as well as local availability are the two most important factors that would make someone pick Redbird or Serve/Bluebird, your biased post opening with a loaded question, as well as the following arguments are rather pointless, and ineffective, imho
It is not a loaded question, but more how I feel with our situation versus how others, which I like to hear so I can examine whether I have omitted something versus trying to convince anyone. Each person has his / her own environment to operate in. There is no need to convince anyone which way is the best. I simply want to see how the others feel why they want to stick with RB when the CC advantage is over.

I readily admit the Vanilla is the only usefulness I see for us keeping the RB but we rarely do more than 2 to 3K Vanilla a month.

It no doubt depends how heavily you rely on Vanilla. The OD deals dont come often now it finally got rid of the OM. It is also very tedious to load the $100/$200 but may not be for you. OD's VGCs can be used anywhere. I also can dispose the MC cards at the grocery stores if needed. The fact that we have only 2 ODs (despite it actually HQed here) does not make me value this venue as much as some of you would.

We did the Small Business Saturday all at 2 stores in the same shopping plaza - gotten $500+ free foods and wine. Other than the occasional SPG cards, we have not paid any AF to AMEX. I think we have gotten $1200+ from AMEX offers on our AMEX cards + the BB/Serve. Many of the offers are done thru computer - ordered AMZN gift cards, WalMart gift cards, Sam's gift cards, for example. Heck, there were at least 2 times the offers at OD/OM that were combinable with the merchant's weekly specials to double dip.

For WalMart, I totally agree most of them are disgusting but I tend to use the neighborhood stores where thanks to their price match, we are able to price match the much more reasonably-priced produces by local stores. Besides I prefer cashiers or CS desk much more than Kate which is ultra slow.
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Old Jun 15, 15, 6:36 pm
  #8489  
 
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Originally Posted by Brugge View Post
Happy is one of the most knowledgeable, intelligent, and helpful posters on this and many other FT threads. No need for the animosity. Disagree on a factual basis and we may all learn something useful from the ensuing dialogue.
That was actually the point I was trying to make; I was trying to say that factual reporting of data points is one thing, local conditions is another for each of us, and personal preference is another think altogether; they don't all have the same weight in such arguments. Plus arguments shouldn't be framed like "how many of you are still planning to go to the beach this summer being that the weather is horrible" or any other biased approach, like referring to some features/facts and ignoring others, as suited by a point of view.

What I was referring to as pointless was things that are based on personal preferences or biases; you can argue endlessly (with nothing gained from such arguments) for things that are based on preference/bias, i.e. Coke vs Pepsi.

I haven't been here as long as some of you to know the reputation of one poster vs another, so I reply to the posts, not the people behind them. Now thinking about it, I think that is better anyhow, for actual value of our posts, so to speak.

Having said that, I see how I could have worded my post better. I certainly didn't mean any animosity though, so I apologized for having given that vibe.

Last edited by NoonRadar; Jun 15, 15 at 6:45 pm
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Old Jun 15, 15, 7:01 pm
  #8490  
 
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Originally Posted by NoonRadar View Post
Having said that, I see how I could have worded my post better. I certainly didn't mean any animosity though, so I apologized for having given that vibe.
I was refused by 2 of 3 Targets in my area to load any Gebit cards this month.

Next month Target (or employees) decides not to load any Gebit cards (incl.your Vanilla) what would u do? Is it worth saving a $1 cost?
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