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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 Jan 18, 2015, 9:11 pm
      #901  
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    Join Date: Dec 2014
    Posts: 8,460
    Originally Posted by pjn54
    What's so annoying about that? Is it because she can't speak good English?
    Essentially. I feel like I have to repeat myself multiple times on the call before they have a strong understanding of what I'm actually calling about. It's a little frustrating.
    TMM1982 is offline  
    Old Jan 18, 2015, 9:12 pm
      #902  
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    Originally Posted by ElPresidente
    Are you doing back-to-back loads? Same amounts repeatedly in a short timespan, looks a lot like duplication in the transaction stream. This may also be labelled "fraud" by the software that looks for irregularities. I have multiple cards I am loading from, and just don't duplicate any of them per trip.
    Nope. It was just single loads between $500 and $980. The last one was a $500 attempt and it was blocked. I called them up and basically ripped them a new one.
    TMM1982 is offline  
    Old Jan 18, 2015, 9:12 pm
      #903  
     
    Join Date: Feb 2004
    Location: Just off the Main Line
    Programs: AA Lifetime PLT 2MM, DL Lifetime GM 2MM, Bonvoy Lifetime Titanium Elite, HH Diamond, IHG Amb Diamond
    Posts: 881
    Originally Posted by A092125
    Hi guys. Any concerns about using SPG to load RB, since both are AMEX?
    I've been doing $1-2K/month for the last few months, no problem.
    Governator is offline  
    Old Jan 18, 2015, 9:19 pm
      #904  
     
    Join Date: Jan 2012
    Programs: Marriott/SPG Plat, Hilton Gold
    Posts: 887
    Originally Posted by TMM1982
    Depends. If you're MS'ing tons of cash each month, then I agree. If you're just doing it to hit a min spend on the card, I don't think it will even register as a blip on AMEX's radar.
    Exactly as I said. IF you're just bumping to hit min spend, shouldn't trigger any alerts.

    I wouldn't do this monthly. Redbird is too good of a product to risk getting shut out of.
    ElPresidente is offline  
    Old Jan 18, 2015, 9:29 pm
      #905  
     
    Join Date: Dec 2014
    Posts: 29
    Do you guys wait a few days after you load the money to send it out? I loaded $1400 today and want to put it back into my bank account. Can I request it right away or should I wait a few days?
    solongtj is offline  
    Old Jan 18, 2015, 9:33 pm
      #906  
     
    Join Date: Jul 2013
    Location: DFW,OVB (Russia)
    Programs: AA HH Gold SPG Gold BA
    Posts: 1,823
    Originally Posted by TMM1982
    Citi is a f'ing pain in the behind to load up on a RB, fraud alerts left and right. After the third time, I called them and told them if they do it again, I'm going to close their card.

    Another annoying thing with Citi is I always get a young asian girl, it's like I'm calling into Bangkok or something. They don't seem to get it so I hung up a few times and redialed and each time got a young asian girl.
    Call center is likely in the Philippines.
    Anyway, are you new with Citi, or new to MS with Citi?
    I've said this before, but Citi is VERY pattern based

    2 years ago, when I first started MSing on my card , I too would get fraud alerts on every other transaction (ap) after some time though,after cleaning a few fraud alerts, I saw them less and less .
    Eventually, I stopped having that problem. Moreover, thanks to me sticking with them , I now exclusively get US based customer service and can push almost ANYTHING through my card will almost zero fraud alerts (and if I do get them, I can now just clear them via text) Trust me, give it time, stick with them, read flyertalk and you will have a rewarding experience with Citi (in more ways than one) better than Chase for sure, don't even get me started on them, and how outsourced and unhelpful their back end customer service is, and their frontline on CSP isn't much better, even though it's US based
    rgAAFT is offline  
    Old Jan 18, 2015, 9:46 pm
      #907  
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    Join Date: Dec 2014
    Posts: 8,460
    Originally Posted by rgAAFT
    Call center is likely in the Philippines.
    Anyway, are you new with Citi, or new to MS with Citi?
    I've said this before, but Citi is VERY pattern based

    2 years ago, when I first started MSing on my card , I too would get fraud alerts on every other transaction (ap) after some time though,after cleaning a few fraud alerts, I saw them less and less .
    Eventually, I stopped having that problem. Moreover, thanks to me sticking with them , I now exclusively get US based customer service and can push almost ANYTHING through my card will almost zero fraud alerts (and if I do get them, I can now just clear them via text) Trust me, give it time, stick with them, read flyertalk and you will have a rewarding experience with Citi (in more ways than one) better than Chase for sure, don't even get me started on them, and how outsourced and unhelpful their back end customer service is, and their frontline on CSP isn't much better, even though it's US based
    Pretty new to Citi. 3 out of my first 4 RB load transactions were declined. I almost lost my mind on them recently when I tried to make a $500 load and it got rejected.
    TMM1982 is offline  
    Old Jan 18, 2015, 10:18 pm
      #908  
     
    Join Date: Mar 2012
    Location: Boulder
    Programs: AA Plat, CX Silver
    Posts: 2,361
    Originally Posted by rgAAFT
    Call center is likely in the Philippines.
    Anyway, are you new with Citi, or new to MS with Citi?
    I've said this before, but Citi is VERY pattern based

    2 years ago, when I first started MSing on my card , I too would get fraud alerts on every other transaction (ap) after some time though,after cleaning a few fraud alerts, I saw them less and less .
    Eventually, I stopped having that problem. Moreover, thanks to me sticking with them , I now exclusively get US based customer service and can push almost ANYTHING through my card will almost zero fraud alerts (and if I do get them, I can now just clear them via text) Trust me, give it time, stick with them, read flyertalk and you will have a rewarding experience with Citi (in more ways than one) better than Chase for sure, don't even get me started on them, and how outsourced and unhelpful their back end customer service is, and their frontline on CSP isn't much better, even though it's US based
    I've been with Citi for about 18 months and used to do a fair amount of VGC/BB with the AA cards to hit minimums and never tripped any alerts buying $1k worth of gift cards in a single transaction.

    That said, it's been a while since I did any major spending on Citi.
    txflyer77 is offline  
    Old Jan 18, 2015, 10:54 pm
      #909  
     
    Join Date: Dec 2014
    Posts: 13
    Originally Posted by rgAAFT
    They are learning..
    just loaded at my local Target (mckinney TX). For the first time, the customer service girl knew exactly what to do. I have loaded here before, but don't remember if she ever helped me before? Out of curiosity,does anyone on here use this location for loading,besides me?
    I use the Allen, Tx target off 75. The cashiers are champs there, they aren't afraid to hit buttons till it goes through. Now they seem to have it down pat.
    rmonte4 is offline  
    Old Jan 19, 2015, 12:56 am
      #910  
     
    Join Date: Jun 2013
    Location: VA
    Programs: AA EXP, A3 Gold, Marriott Silver, Choice Privileges Gold, National Exec
    Posts: 192
    Originally Posted by TMM1982
    Pretty new to Citi. 3 out of my first 4 RB load transactions were declined. I almost lost my mind on them recently when I tried to make a $500 load and it got rejected.
    You're pretty new to Citi and upset that you're getting fraud alerts for purchases of $500 or more?? So upset in fact, that you called in and threatened to cancel when they are simply trying to protect you?? Target did have a data breach not too long ago after all...and by your own admission you're a relatively new customer. Give them a chance at least...
    Nevafazeme is offline  
    Old Jan 19, 2015, 1:02 am
      #911  
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    Join Date: Dec 2014
    Posts: 8,460
    Originally Posted by Nevafazeme
    You're pretty new to Citi and upset that you're getting fraud alerts for purchases of $500 or more?? So upset in fact, that you called in and threatened to cancel when they are simply trying to protect you?? Target did have a data breach not too long ago after all...and by your own admission you're a relatively new customer. Give them a chance at least...
    When it happens 3/4 times yes. That's not protection, that's nanny state interference.
    TMM1982 is offline  
    Old Jan 19, 2015, 1:45 am
      #912  
     
    Join Date: Jun 2013
    Location: VA
    Programs: AA EXP, A3 Gold, Marriott Silver, Choice Privileges Gold, National Exec
    Posts: 192
    Originally Posted by TMM1982
    When it happens 3/4 times yes. That's not protection, that's nanny state interference.
    From your response, I feel like we would have a pretty good conversation about "nanny state interference" (as in, agreement on the topic) but, I'll stick to talking about the REDcard ^
    Nevafazeme is offline  
    Old Jan 19, 2015, 7:18 am
      #913  
     
    Join Date: Apr 2014
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    Programs: Braniff, TWA, Eastern, Midwest, AA Exec, Club Carlson Gold
    Posts: 270
    Originally Posted by TMM1982
    When it happens 3/4 times yes. That's not protection, that's nanny state interference.
    Citi is particularly paranoid about large purchases at Target due to the "Target data breach". That seems like it was a long time ago to me, but Citi, like an elephant, never forgets. They're much less likely to decline due to fraud concerns if the transaction is somewhere other than Target. Le sigh.
    Electroman is offline  
    Old Jan 19, 2015, 7:19 am
      #914  
     
    Join Date: Dec 2014
    Location: DFW
    Programs: SPG Gold, SW Companion Pass, Hilton Gold
    Posts: 128
    Originally Posted by rmonte4
    I use the Allen, Tx target off 75. The cashiers are champs there, they aren't afraid to hit buttons till it goes through. Now they seem to have it down pat.
    This is great. I live in the Dallas area and I'm waiting to receive my permanent card but I will let you know how it goes closer to downtown.
    Hecta is offline  
    Old Jan 19, 2015, 7:19 am
      #915  
     
    Join Date: Aug 2013
    Posts: 1,207
    Originally Posted by TMM1982
    Citi is a f'ing pain in the behind to load up on a RB, fraud alerts left and right. After the third time, I called them and told them if they do it again, I'm going to close their card.

    Another annoying thing with Citi is I always get a young asian girl, it's like I'm calling into Bangkok or something. They don't seem to get it so I hung up a few times and redialed and each time got a young asian girl.
    Ive used 4 different citi cards to load, including one which was brand new and never been used yet, and one which hasnt been used in 6 months, and the only time Ive gotten a FA is when my DH tried to use one of mine as an AU. My own cards have never gotten FAs. Also used as new Barclays card. My DH got a FA on his new arrival, but I did not on mine. Also have used my AU for his chase card. The only problem we have had is with his USBank CC card.
    hamokmonky is offline  


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