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
    Print Wikipost

    Prepaid REDcard (Target) 2015-2016

    Old Sep 15, 2015, 10:57 pm
      #10111  
     
    Join Date: Feb 2015
    Posts: 910
    Originally Posted by pwd847
    Tried to load $1000 today from my bank debit card with a chip in it. It gave me an error. It never asked for a PIN or anything. I just put the chip in the reader and then the register said, "this card can load $0.00."

    Is that what it says when you try to load with credit? Maybe I'll have her manually punch in debit next time.
    Sounds like it tried to process as credit and denied. Cashiers have the option on the screen to chose debit (K6) during that step of the loading (see step 4 of the pin-GC guide) so yeah, have them chose debit next time.
    NoonRadar is offline  
    Old Sep 16, 2015, 12:44 am
      #10112  
    Suspended
     
    Join Date: Dec 2014
    Posts: 8,460
    Originally Posted by NoonRadar
    Sounds like it tried to process as credit and denied. Cashiers have the option on the screen to chose debit (K6) during that step of the loading (see step 4 of the pin-GC guide) so yeah, have them chose debit next time.
    K8
    TMM1982 is offline  
    Old Sep 16, 2015, 7:28 am
      #10113  
     
    Join Date: Sep 2014
    Posts: 1,837
    Originally Posted by TMM1982
    K8
    K8 is to start loading, I believe it's k6 to select debit.
    lumangoy is offline  
    Old Sep 16, 2015, 7:40 am
      #10114  
     
    Join Date: Jan 2015
    Location: Champaign, IL
    Programs: Total Rewards Diamond, Wyndham Diamond, Marriott Gold, AA Gold
    Posts: 564
    OK cool. Sounds like that should fix it. I suspected as much, but everyone agreeing with me makes me even more confident.
    pwd847 is offline  
    Old Sep 16, 2015, 7:44 am
      #10115  
     
    Join Date: Oct 2013
    Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
    Posts: 4,375
    Originally Posted by pwd847
    Tried to load $1000 today from my bank debit card with a chip in it. It gave me an error. It never asked for a PIN or anything. I just put the chip in the reader and then the register said, "this card can load $0.00."

    Is that what it says when you try to load with credit? Maybe I'll have her manually punch in debit next time.
    I wonder if I'm the only one that's curious why you are using a REAL debit card? I mean I know that the average user might but this is a MS thread.

    Last edited by cdancer20; Sep 16, 2015 at 7:56 am
    cdancer20 is offline  
    Old Sep 16, 2015, 7:50 am
      #10116  
     
    Join Date: Oct 2009
    Location: Land of the parrots and parrotheads
    Programs: Several dozen
    Posts: 4,820
    Interesting point - is personalizing a card document forgery? Don't think there is any definitive answer.

    Originally Posted by Julian Brennan
    Correct me if I'm wrong but wouldn't this make YOU a criminal as in document forging... The $200 would be nothing compared to the several thousands you make a year MSing.
    AlohaDaveKennedy is offline  
    Old Sep 16, 2015, 8:14 am
      #10117  
     
    Join Date: Sep 2014
    Posts: 1,837
    Originally Posted by AlohaDaveKennedy
    Interesting point - is personalizing a card document forgery? Don't think there is any definitive answer.
    Originally Posted by Julian Brennan
    Correct me if I'm wrong but wouldn't this make YOU a criminal as in document forging... The $200 would be nothing compared to the several thousands you make a year MSing.
    I wonder if something like coin or the upcoming plastic would be better/easier?
    lumangoy is offline  
    Old Sep 16, 2015, 8:18 am
      #10118  
     
    Join Date: Jan 2015
    Location: Champaign, IL
    Programs: Total Rewards Diamond, Wyndham Diamond, Marriott Gold, AA Gold
    Posts: 564
    Originally Posted by cdancer20
    I wonder if I'm the only one that's curious why you are using a REAL debit card? I mean I know that the average user might but this is a MS thread.
    I guarantee you are not the only one wondering.

    It's a long story but I needed access to the bill pay ASAP. I have 4 RB/BB/Serve cards and I don't use the full $20,000 every month so it's not a big deal.

    Originally Posted by AlohaDaveKennedy
    Interesting point - is personalizing a card document forgery? Don't think there is any definitive answer.
    I'm not sure if it is forgery but the T&C's probably prohibit tampering with the card. I believe the card is still the property of the issuer anyway.

    Kind of like you can't tamper with the programming of Microsoft Windows because technically Microsoft still owns it.

    Last edited by pwd847; Sep 16, 2015 at 8:34 am
    pwd847 is offline  
    Old Sep 16, 2015, 8:32 am
      #10119  
     
    Join Date: Oct 2009
    Location: Land of the parrots and parrotheads
    Programs: Several dozen
    Posts: 4,820
    Or UFBing?

    Originally Posted by lumangoy
    I wonder if something like coin or the upcoming plastic would be better/easier?
    AlohaDaveKennedy is offline  
    Old Sep 16, 2015, 8:33 am
      #10120  
     
    Join Date: Oct 2013
    Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
    Posts: 4,375
    Originally Posted by pwd847
    I guarantee you are not the only one wondering.

    It's a long story but I needed access to the bill pay ASAP. I have 4 RB/BB/Serve cards and I don't use the full $20,000 every month so it's not a big deal.



    I'm not sure if it is forgery but the T&C's probably prohibit tampering with the card. I believe the card is still the property of the issuer anyway.

    Kind of like you can tamper with the programming of Microsoft Windows because technically Microsoft still owns it.
    Guess I'm still missing something, but you needed bill pay IMMEDIATELY why didn't you just pay the bill directly from your checking account, via ACH pull from the account or using their bill pay service.

    Also remember that you can load up to $1k month online for free with your real debit card to RB.
    cdancer20 is offline  
    Old Sep 16, 2015, 9:09 am
      #10121  
     
    Join Date: Jun 2015
    Posts: 1,727
    Originally Posted by cdancer20
    I wonder if I'm the only one that's curious why you are using a REAL debit card? I mean I know that the average user might but this is a MS thread.
    +1
    Chelski is offline  
    Old Sep 16, 2015, 9:38 am
      #10122  
     
    Join Date: Jan 2015
    Location: Champaign, IL
    Programs: Total Rewards Diamond, Wyndham Diamond, Marriott Gold, AA Gold
    Posts: 564
    Originally Posted by cdancer20
    Guess I'm still missing something, but you needed bill pay IMMEDIATELY why didn't you just pay the bill directly from your checking account, via ACH pull from the account or using their bill pay service.
    The checking account I was pulling the money from doesn't have online bill pay.


    Originally Posted by cdancer20
    Also remember that you can load up to $1k month online for free with your real debit card to RB.
    $200 per day is not what I consider ASAP.
    pwd847 is offline  
    Old Sep 16, 2015, 9:51 am
      #10123  
     
    Join Date: Oct 2013
    Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
    Posts: 4,375
    Originally Posted by pwd847
    The checking account I was pulling the money from doesn't have online bill pay. $200 per day is not what I consider ASAP.
    Just a reminder. However I did mention ACH pull from your checking account, i.e. if you are paying a regular bill - credit card, mortgage, student loan, those all accept you logging into the service providers website and setting up your account to pay via an ACH pull. True I don't know your exact situation but I can't think about a reason off the top of my head that you couldn't directly pay. Well I take that back. Amex will not let you add a new bank if you just made a payment with a bank less than 30 days after adding it.
    cdancer20 is offline  
    Old Sep 16, 2015, 10:01 am
      #10124  
     
    Join Date: Jan 2012
    Programs: Marriott/SPG Plat, Hilton Gold
    Posts: 887
    Originally Posted by pwd847
    The checking account I was pulling the money from doesn't have online bill pay.
    I setup my Redcard account, to be able to pull from my bank checking account up to $500. I know if I "overdraft" with Target purchases it will pull additional cash as needed.

    But it never occured to me. Will Redcard let me write an online billpay check for amount larger than current balance?
    ElPresidente is offline  
    Old Sep 16, 2015, 10:04 am
      #10125  
     
    Join Date: Jan 2015
    Location: Champaign, IL
    Programs: Total Rewards Diamond, Wyndham Diamond, Marriott Gold, AA Gold
    Posts: 564
    Originally Posted by cdancer20
    Just a reminder. However I did mention ACH pull from your checking account, i.e. if you are paying a regular bill - credit card, mortgage, student loan, those all accept you logging into the service providers website and setting up your account to pay via an ACH pull. True I don't know your exact situation but I can't think about a reason off the top of my head that you couldn't directly pay. Well I take that back. Amex will not let you add a new bank if you just made a payment with a bank less than 30 days after adding it.
    Everything you mentioned I had already thought about. Loading RB while I was already at Target, and using the BP on my phone when I got outside, was the best balance between easy and most convenient.

    This was a one time urgent situation that I doubt will ever happen again.

    At this point I just want to know that the card is compatible with RB. I will try to load a couple dollars later today by instructing the cashier to manually press payment type - debit.

    Thanks for everyone's input.
    pwd847 is offline  

    Thread Tools
    Search this Thread

    Contact Us - Manage Preferences Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service -

    This site is owned, operated, and maintained by MH Sub I, LLC dba Internet Brands. Copyright © 2024 MH Sub I, LLC dba Internet Brands. All rights reserved. Designated trademarks are the property of their respective owners.