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 Oct 14, 15, 10:47 am
      #10936  
     
    Join Date: Sep 2014
    Posts: 54
    I have 3k of One Vanillas and don't know what to do with them. Please help...

    I heard you can't use them to buy money order at Walmart.

    What are my options? I am willing to even lose 3% in fees just to liquidate, but heard paypal will shut you down for it too.
    acefspadez is offline  
    Old Oct 14, 15, 10:48 am
      #10937  
     
    Join Date: Jul 2014
    Posts: 14
    Originally Posted by lagvoid View Post
    I had no problems moving money and closing out my account. I went to do my wife's and ran into PIN issues. I still can't use the known PIN or reset the PIN. I am able to log in still...what's going on?
    glad to know i'm not the only one, but wth!
    felixbball is offline  
    Old Oct 14, 15, 10:51 am
      #10938  
     
    Join Date: Jul 2014
    Posts: 192
    is transferring money to bank account instant and I can close my account right away? Or should I use the "Send money" feature? Thanks!
    neony77 is offline  
    Old Oct 14, 15, 10:54 am
      #10939  
     
    Join Date: Feb 2003
    Location: Khyber Pakhtunkhwa
    Posts: 1,862
    Originally Posted by acefspadez View Post
    I have 3k of One Vanillas and don't know what to do with them. Please help...
    just use them for normal spending, at CostCo or whatever
    Alcibiades is offline  
    Old Oct 14, 15, 10:57 am
      #10940  
     
    Join Date: Feb 2014
    Posts: 212
    Originally Posted by neony77 View Post
    is transferring money to bank account instant and I can close my account right away? Or should I use the "Send money" feature? Thanks!
    Send money is instant, assuming the person you are sending it to, picks it up right away.
    rabatt is offline  
    Old Oct 14, 15, 11:00 am
      #10941  
     
    Join Date: Apr 2015
    Location: San Diego
    Posts: 229
    Originally Posted by acefspadez View Post
    I have 3k of One Vanillas and don't know what to do with them. Please help...

    I heard you can't use them to buy money order at Walmart.

    What are my options? I am willing to even lose 3% in fees just to liquidate, but heard paypal will shut you down for it too.
    Buy something for 3k, then resell it on eBay or Amazon!
    memphian901 is offline  
    Old Oct 14, 15, 11:04 am
      #10942  
     
    Join Date: Jul 2014
    Posts: 192
    Originally Posted by rabatt View Post
    Send money is instant, assuming the person you are sending it to, picks it up right away.
    Thanks! Is this also how you send it to a serve account?

    On a separate note, instead of opening serve account online - does CVS still allow buying a serve card initially with a CC and be able to put $500 on it? Anyone know?
    neony77 is offline  
    Old Oct 14, 15, 11:09 am
      #10943  
     
    Join Date: Feb 2015
    Posts: 446
    Originally Posted by acefspadez View Post
    I have 3k of One Vanillas and don't know what to do with them. Please help...

    I heard you can't use them to buy money order at Walmart.

    What are my options? I am willing to even lose 3% in fees just to liquidate, but heard paypal will shut you down for it too.
    Find another grocery store to use them for MOs. WM isn't the only game in town. YMMV.
    shadow520 is offline  
    Old Oct 14, 15, 11:17 am
      #10944  
     
    Join Date: May 2015
    Posts: 40
    It was written in the stars when they chose red for their card, only a matter of time before one dies.
    ohyonghao is offline  
    Old Oct 14, 15, 11:19 am
      #10945  
     
    Join Date: Jun 2006
    Location: STL
    Posts: 1,339
    So, I've been in line at Guest Services before behind someone returning something. If their original method of payment was debit, the cashier will ask them if they want their refund in cash or back to their debit card. Could you buy something at Target that gets you as close to $500 as possible after tax (or over $500 and pay the difference in cash), pay with a VGC as debit and not credit, and then return the item?

    Not sure if there's a maximum cash refund they'll give, and you could probably only pull it off a few times. But it's a possible way to liquidate a VGC.
    t325 is offline  
    Old Oct 14, 15, 11:20 am
      #10946  
     
    Join Date: Jul 2013
    Posts: 1,784
    Originally Posted by acefspadez View Post
    I have 3k of One Vanillas and don't know what to do with them. Please help...

    I heard you can't use them to buy money order at Walmart.

    What are my options? I am willing to even lose 3% in fees just to liquidate, but heard paypal will shut you down for it too.
    My local (non-chain) grocery store is happy to sell me MOs, up to $3K at a time, with OVs. Of course, I never say OV, I always say "debit card".

    Nice thing about OVs is they don't say Gift Card on the front.
    RobertHanson is offline  
    Old Oct 14, 15, 12:00 pm
      #10947  
     
    Join Date: Jan 2011
    Location: MDW
    Programs: WN (CP 6x, A+ 2x), Marriott (LT Titanium), Hyatt Explorer, Hertz PC, UA/*A Silver
    Posts: 415
    A few notes about switching to Serve

    I was able to switch my RB account to Serve (the One VIP flavor; see here for more info) this morning, after a few headaches. Took three or four tries and a call to both Serve and RB CS, but it did finally work.

    Both reps said it might take up to 30 days for the RB to "completely close". Right. The Serve rep tried to be helpful, and had me resubmit while he was on the phone, using a different email and changing the phone number. That didn't work. Then the RB rep said that I should use the exact same info from my RB account. I didn't think that would work, since back in the day the same email would cause an app to fail (when I switched from BB to RB, I had to use a new email, which worked fine). Figured why not, so I used the same email, phone, even password and secret question/answer from RB for Serve, and lo and behold, it worked. Now to change the password and secret.......

    Hope this might save someone a few headaches.
    illinidad is offline  
    Old Oct 14, 15, 1:58 pm
      #10948  
     
    Join Date: Oct 2010
    Location: BOS
    Posts: 813
    Originally Posted by t325 View Post
    So, I've been in line at Guest Services before behind someone returning something. If their original method of payment was debit, the cashier will ask them if they want their refund in cash or back to their debit card. Could you buy something at Target that gets you as close to $500 as possible after tax (or over $500 and pay the difference in cash), pay with a VGC as debit and not credit, and then return the item?

    Not sure if there's a maximum cash refund they'll give, and you could probably only pull it off a few times. But it's a possible way to liquidate a VGC.
    That's interesting... worth trying out. Worst case, they only return to the debit card you used.

    One way to liquidate could be using Square.
    xSTRIKEx6864 is offline  
    Old Oct 14, 15, 2:06 pm
      #10949  
     
    Join Date: Oct 2010
    Location: BOS
    Posts: 813
    Let's hope that Serve and BlueBird don't go to cash-only loading anytime soon.
    xSTRIKEx6864 is offline  
    Old Oct 14, 15, 2:10 pm
      #10950  
     
    Join Date: Jun 2013
    Programs: Delta DDM 720, SPG Unobtainium, CC Adamantium, can I keep bragging now?
    Posts: 297
    Originally Posted by xSTRIKEx6864 View Post
    That's interesting... worth trying out. Worst case, they only return to the debit card you used.

    One way to liquidate could be using Square.
    Expect Square to shut you down if you make a habit of it or do too much though (and YMMV widely as to what is 'too much').
    HonoraryOrange is offline  

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