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 Oct 14, 2015, 2:37 pm
      #10951  
     
    Join Date: Feb 2015
    Location: California, USA
    Posts: 75
    Target Debit (or Credit) REDcard

    With RB dead, I am considering switching to the Target Debit REDcard for my Target purchases. I guess that would mean that I can switch to Serve or Bluebird.

    For those who have not been following, Target currently offers the Target Debit REDcard and the Target Credit REDcard. The Debit withdraws directly from your bank account, and offers up to $40 cash back in-store per 24-hour period. The Credit appears to be a store-only (closed loop) credit card, with a balance that you must pay off monthly.

    Target no longer offers the Target MasterCard Credit REDcard (open loop) to new applicants. The Debit and Credit REDcards are now chip-and-PIN ONLY.

    Originally I thought that it would be better to use RB so that American Express, rather than Target Corporation, has my banking info. But with the current changes + chip-and-PIN technology, I am thinking of just getting a regular REDcard.

    Thoughts?

    (Since Target Corporation may manage the new Credit Card, I do not see much advantage of the Credit over the Debit. The Mastercard Credit REDcard was issued by T.D. Bank. The new Credit Card is issued by T.D. Bank but it is unclear who has access to the banking info.)
    SeanTek is offline  
    Old Oct 14, 2015, 2:43 pm
      #10952  
     
    Join Date: Jan 2012
    Programs: Marriott/SPG Plat, Hilton Gold
    Posts: 887
    Originally Posted by SeanTek
    With RB dead, I am considering switching to the Target Debit REDcard for my Target purchases. I guess that would mean that I can switch to Serve or Bluebird.
    I would go for the Debit Redcard. It's run by Target bank, and shouldn't cause a credit pull. I was ticked off recently when Chase denied me for an Ink Cash because I had too many credit inquiries in the last 24 months.

    I used to have the plain debit, but had to drop it when I switched to prepaid Redcard. it's a fine product, but I don't see a need as my TGT convenience shopping is about to go to zero.
    ElPresidente is offline  
    Old Oct 14, 2015, 2:44 pm
      #10953  
     
    Join Date: May 2014
    Posts: 168
    Don't know if anyone may have posted this previously but if your switching from Redbird to Serve make sure to use the same email when setting up the new Serve account.

    I had tried opening a new Serve account after closing Redbird and it kept telling me "you currently have an open Target Redcard account". I was using a different email address than the one used on my Redbird account.

    Tried using the same email and the account was opened without a problem.
    IWOL is offline  
    Old Oct 14, 2015, 2:49 pm
      #10954  
     
    Join Date: Sep 2014
    Posts: 60
    Originally Posted by RobertHanson
    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.

    I stopped by 4 different supermarkets and all 4 said cash only... I'm in the Los Angeles Area so think it's tougher around here.
    acefspadez is offline  
    Old Oct 14, 2015, 2:52 pm
      #10955  
     
    Join Date: Sep 2014
    Posts: 60
    Thinking of using the OVs to buy other vgc so I can buy MOs at Walmart? good idea?
    acefspadez is offline  
    Old Oct 14, 2015, 3:00 pm
      #10956  
     
    Join Date: Jun 2012
    Location: ATL
    Programs: DL, Marriott
    Posts: 728
    Can OV not be used for MO at walmart? How about other stores?
    pritomd is offline  
    Old Oct 14, 2015, 3:08 pm
      #10957  
     
    Join Date: Sep 2014
    Posts: 60
    Originally Posted by pritomd
    Can OV not be used for MO at walmart? How about other stores?

    Correct OVs cannot be used for MO or loading BB at Walmart, but it can be used at other locations for mo if they allow it.
    acefspadez is offline  
    Old Oct 14, 2015, 3:08 pm
      #10958  
     
    Join Date: Aug 2015
    Location: ORF
    Posts: 76
    Originally Posted by pritomd
    Can OV not be used for MO at walmart? How about other stores?
    OV have a $49.99 limit at WM. You have to do many, many swipes/transactions to use up a card. Use Sunnies or MetaBank at WM.
    Gimpyknee is offline  
    Old Oct 14, 2015, 3:54 pm
      #10959  
     
    Join Date: Apr 2015
    Posts: 16
    Originally Posted by xSTRIKEx6864
    They still have to put in manpower for cash loads, and maybe even more. The cashier now has to actually count up the cash. Better hope there are no counterfeit bills, as you won't be able to easily trace the counterfeits to a specific person once they are mixed in with the drawer cash. Target, if they truly stopped debit load in-store without notice, screwed up here and their shareholders will suffer somewhat as the revenue will go down. Keep in mind, many people not doing MS would load via debit to buy something and get 5% off. Not many people are carrying big amounts of cash these days.
    You're completely missing the point. The volume of cash loads is going to be a fraction of 1% of the volume of debit loads, for obvious MS reasons.
    mattvorwald is offline  
    Old Oct 14, 2015, 4:23 pm
      #10960  
     
    Join Date: Dec 2013
    Posts: 51
    Just tried loading at a target in NJ and then saw it is dead.
    The process got pretty far tho. It got all the way to the do you want cash back screen. Did this happen to everyone who unsuccessfully tried loading in the past three days?
    vishalp0826 is offline  
    Old Oct 14, 2015, 4:54 pm
      #10961  
     
    Join Date: Dec 2004
    Programs: UA-1K, MM, Hilton-Diamond, Marriott-Titanium
    Posts: 4,450
    Originally Posted by vishalp0826
    Just tried loading at a target in NJ and then saw it is dead.
    The process got pretty far tho. It got all the way to the do you want cash back screen. Did this happen to everyone who unsuccessfully tried loading in the past three days?
    Yes and as much as you may want it to work it's dead. Time to go to BB or Serve
    cruisr is offline  
    Old Oct 14, 2015, 4:54 pm
      #10962  
     
    Join Date: Apr 2015
    Location: Hopkinton, MA
    Posts: 233
    Originally Posted by vishalp0826
    Just tried loading at a target in NJ and then saw it is dead.
    The process got pretty far tho. It got all the way to the do you want cash back screen. Did this happen to everyone who unsuccessfully tried loading in the past three days?
    It is dead.

    I had the day off, so stopped by with my genuine bank debit card and my area Targets are extremely helpful and friendly (Metrowest) and tried every way from Sunday, but no way.

    I'll keep using redbird for bill pay and the 5% off, loading online from my bank.
    Car Jack is offline  
    Old Oct 14, 2015, 6:32 pm
      #10963  
     
    Join Date: Jul 2001
    Programs: Marriott LT Tit; Hyatt Explorist; Hilton CC Gold; IHG CC Plt; Hertz (MR) 5 star
    Posts: 5,536
    Red's Dead Baby, Red's Dead

    Originally Posted by vishalp0826
    Just tried loading at a target in NJ and then saw it is dead.
    The process got pretty far tho. It got all the way to the do you want cash back screen. Did this happen to everyone who unsuccessfully tried loading in the past three days?
    A RB homage to Pulp Fiction:

    MSer's Girlfriend: What kind of credit card is this?

    Crusty MSer: It's a debit card, baby.

    MSer's Girlfriend: What kind of debit card is this?

    Crusty MSer: Red.

    MSer's Girlfriend: What's Red?

    Crusty MSer: Red's dead baby, Red's dead.



    Time to ride off into the MS sunset.
    iflyjetz is offline  
    Old Oct 14, 2015, 6:38 pm
      #10964  
     
    Join Date: Jun 2012
    Location: ATL
    Programs: DL, Marriott
    Posts: 728
    Didn't someone already post that....
    pritomd is offline  
    Old Oct 14, 2015, 7:11 pm
      #10965  
     
    Join Date: May 2015
    Posts: 284
    Originally Posted by pritomd
    Didn't someone already post that....
    Yeah. He's obviously a big fan!
    Radster is offline  

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