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 cards 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 drivers license, SSN, etc. But, when I got home, I registered the card to my wife. I cant 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 16, 2015, 7:14 am
      #11011  
     
    Join Date: Feb 2015
    Posts: 910
    Originally Posted by mrblueeyes
    My plan this month was to fully load my bluebird at the beginning of the month, drain it completely, close it, and open a redbird. With the demise of redbird, I have decided against that. The problem is that I already bought and did an initial load on a temp redbird card AND I have an active bluebird. Is there a way to drain said temp redbird without going through the hassle of draining and closing my bluebird, then registering my redbird?

    Thanks in advance!
    One has nothing to do with the other in your case. The temp Redbird if unregistered it is not in the Amex prepaid system as an open acct. You can drain the temp Redbird by buying something in store or on line.

    If you buy something at Target and the purchase amount is greater than the temp Redbird balance, it auto-drains it and lets you pay the difference with something else. I don't know whether it behaves the same at other stores, haven't tried.
    NoonRadar is offline  
    Old Oct 16, 2015, 7:20 am
      #11012  
     
    Join Date: Nov 2006
    Location: Hawaii
    Programs: Delta Platinum, Marriott Silver, Hilton Silver, Avis First
    Posts: 394
    Originally Posted by NoonRadar
    <snip> You can drain the temp Redbird by buying something in store or on line.

    <snip>
    Is it possible to drain the money via an ATM? I'd prefer to not have to make purchases with it.
    mrblueeyes is offline  
    Old Oct 16, 2015, 7:23 am
      #11013  
     
    Join Date: Jun 2015
    Posts: 348
    Originally Posted by funwizard
    Closed my red card today. Balance showed as $0.00.
    Tried signing up for one vip account online and it came back with the message

    "

    Sorry, we cannot approve you for an American Express Serve Account at this time because you have an existing Target Prepaid REDcard Account. If you have any questions, we will be happy to help you. Please call us at 1-800-954-0559.

    Thank you for your interest in American Express Serve.
    "

    Do we have to do it during business hours? or any possible wait time for conversion?
    IME, EVERYTHING had to be the same from my RB credentials to Serve: email, PW, security question, address, phone number, etc. Everything. When I did, the application moved forward. Try it.
    Flyby01 is offline  
    Old Oct 16, 2015, 7:23 am
      #11014  
     
    Join Date: Feb 2015
    Posts: 595
    Originally Posted by mrblueeyes
    Is it possible to drain the money via an ATM? I'd prefer to not have to make purchases with it.
    Worst case, buy a $500 VGC with it. I don't think you can use ATM without registering it and setting the PIN. May not even be able to do ATM with the temp card.
    shadow520 is offline  
    Old Oct 16, 2015, 7:36 am
      #11015  
     
    Join Date: Feb 2015
    Posts: 910
    Originally Posted by mrblueeyes
    Is it possible to drain the money via an ATM? I'd prefer to not have to make purchases with it.
    I never tried myself. I thought I recall hearing someone claim they could, I'd suspect you shouldn't be able to.

    You can use the temp Redbird to pay bills online also, like login to your utility/ins website and pay with its info as you would with a credit card.

    Basically you can use it anywhere you could use a credit card. It can't be used as debit (no pin function) for purchases, only runs as credit on registers.
    NoonRadar is offline  
    Old Oct 16, 2015, 7:45 am
      #11016  
     
    Join Date: Feb 2015
    Posts: 910
    Originally Posted by ElPresidente
    I suspect a lot of people did some last-minute BillPay and are going to be groaning about how long it takes. The only nearly-instant ways to empty an AmEx prepaid account are "transfer money" and using the ATM.
    Sending money to another prepaid Amex account (either Redbird, Serve or BLuebird) is instant, literally, all you need is the email or phone nr associated with the acct you're sending to. I drained one of my Redbirds as such and registered for One VIP Serve the next minute.

    For people who don't have another acct to send to, not sure exactly which other method takes less time, maybe all about the same, 1-2 days. I do recall one person who got the temp Redbird for me reporting having been able to withdraw the money to checking and close Serve and register for Redbird as soon as the transaction showed complete on Serve and before the money showed up on his checking. Prob the same would apply now switching the other way around.

    I did test one Redbird-to-Serve via using the Redbird card nrs to pay a bill online as I would with a credit card these last few days, can't recall exactly how long I had to wait (didn't exactly check every hour) but def within 1-2 days mark.

    ATM, sure, but I doubt many people have such an even dollar amount on their Redbird to withdraw it via ATM. Whether the Redbird balance is thousands or just a penny, still can't register for Serve until Redbird's balance is zero.
    NoonRadar is offline  
    Old Oct 16, 2015, 8:20 am
      #11017  
     
    Join Date: Jun 2015
    Posts: 1,727
    Originally Posted by funwizard
    Closed my red card today. Balance showed as $0.00.
    Tried signing up for one vip account online and it came back with the message

    "

    Sorry, we cannot approve you for an American Express Serve Account at this time because you have an existing Target Prepaid REDcard Account. If you have any questions, we will be happy to help you. Please call us at 1-800-954-0559.

    Thank you for your interest in American Express Serve.
    "

    Do we have to do it during business hours? or any possible wait time for conversion?
    Biz hours - NO; Wait time - possibly, but not necessarily.

    Originally Posted by ElPresidente
    The button should say "request to cancel". Just because you clicked, doesn't mean one second later the account is 100% closed.

    ...You get the point. All transactions have to be finalized before the bank can say it's finally closed.

    ...

    I bought a few items at Target with the last few dollars in my account, and you know what? Those purchases spend a day or two in HOLD and you can see it clearly delineated as such on the transactions page.
    I bill paid my remaining $8k on Tuesday (10/13) once it was confirmed dead. All of my billpays were ACH to CCs.

    I waited until yesterday to open a One VIP card because I wanted to see money hit one of the CCs for the reasons you stated. Where will the money go if it's sent back and the account is closed.


    Originally Posted by iflyjetz
    ElPresidente, most of that is correct, but I've quoted the portion that needs clarification.

    If the BillPay is to a company listed as a Payee, they'll do an ACH usually clears very quickly. I had money left in my account on Monday; I transferred the remaining balance to my brokerage Monday evening.
    Once I closed my two Redbirds I opened two One VIP within five minutes. My account required the identity proof documents. My wife's did not. Within two hours of submitting identity documents my new One VIP was opened.

    I did use the same email address and all of the same other information.

    If you bill paid with checks then you might have to wait a while as El Presidente and iflyjetz stated.
    Chelski is offline  
    Old Oct 16, 2015, 8:30 am
      #11018  
     
    Join Date: Sep 2014
    Location: Metro ATL
    Posts: 359
    Originally Posted by Flyby01
    IME, EVERYTHING had to be the same from my RB credentials to Serve: email, PW, security question, address, phone number, etc. Everything. When I did, the application moved forward. Try it.
    +1
    touristtrap is offline  
    Old Oct 16, 2015, 8:42 am
      #11019  
     
    Join Date: Jan 2011
    Location: MDW
    Programs: WN (CP 6x, A+ 2x), Marriott (LT Titanium), Hyatt Explorer, Hertz PC, UA/*A Silver
    Posts: 425
    Originally Posted by NoonRadar
    Sending money to another prepaid Amex account (either Redbird, Serve or BLuebird) is instant, literally, all you need is the email or phone nr associated with the acct you're sending to. I drained one of my Redbirds as such and registered for One VIP Serve the next minute.
    It is instant, but the recipient needs to accept, otherwise the transfer expires in 30 days. I've moved lots of funds between cards that I manage, so it's never been an issue for me. It's also highly unlikely to be an issue for anyone here, but it's worth pointing out that the extra step is required. Not sure what would happen if the sender's card was closed after the recipient declined the transfer or requested an adjusted amount.

    Originally Posted by NoonRadar
    ATM, sure, but I doubt many people have such an even dollar amount on their Redbird to withdraw it via ATM. Whether the Redbird balance is thousands or just a penny, still can't register for Serve until Redbird's balance is zero.
    Yes, the odds of having a even dollar amount are slim, but you can always just make a cash deposit to round it up. That's how I ended up draining my last RB, may she rest in peace.
    illinidad is offline  
    Old Oct 16, 2015, 8:47 am
      #11020  
     
    Join Date: Jul 2001
    Programs: Marriott LT Tit; Hyatt Explorist; Hilton CC Gold; IHG CC Plt; Hertz (MR) 5 star
    Posts: 5,536
    Originally Posted by Flyby01
    IME, EVERYTHING had to be the same from my RB credentials to Serve: email, PW, security question, address, phone number, etc. Everything. When I did, the application moved forward. Try it.
    Security question doesn't have to be the same. I screwed up and chose a different security question when changing over to BB; the change went through without a problem. All other items you mentioned were the same. .... just a datapoint.
    iflyjetz is offline  
    Old Oct 16, 2015, 8:53 am
      #11021  
     
    Join Date: Jun 2012
    Location: ATL
    Programs: DL, Marriott
    Posts: 728
    Originally Posted by NoonRadar
    You can use the temp Redbird to pay bills online also, like login to your utility/ins website and pay with its info as you would with a credit card.
    About a week ago, RB site wouldn't let me pay my bills when all I had was a temp card. Once I activated my permanent card, only then was I able to use BillPay. Otherwise, the button to 'Pay Bills' was greyed out and the top said something about activating my perma card.
    pritomd is offline  
    Old Oct 16, 2015, 8:58 am
      #11022  
     
    Join Date: Feb 2015
    Posts: 910
    Originally Posted by pritomd
    About a week ago, RB site wouldn't let me pay my bills when all I had was a temp card. Once I activated my permanent card, only then was I able to use BillPay. Otherwise, the button to 'Pay Bills' was greyed out and the top said something about activating my perma card.
    Right, you can't set up any prepaid Amex acct for billpay within that (as from a checking) until you receive and activate the permanent card.

    I meant to use the temp one as you would a credit card, like I said, to pay the bills. I.e. login to your Verizon acct, use the temp Redbird card nrs and expiration date to pay the Verizon bill with it.
    NoonRadar is offline  
    Old Oct 16, 2015, 9:01 am
      #11023  
     
    Join Date: May 2015
    Posts: 284
    Originally Posted by iflyjetz
    Security question doesn't have to be the same. I screwed up and chose a different security question when changing over to BB; the change went through without a problem. All other items you mentioned were the same. .... just a datapoint.
    Both of the two RCs I converted to BBs encountered a "phone number already registered" error (after using the same profile details from the respective RCs). I simply changed the number from "mobile" to "home" and both applications then went through. I subsequently changed them back to "mobile" after registering.
    Radster is offline  
    Old Oct 16, 2015, 9:18 am
      #11024  
     
    Join Date: Feb 2015
    Posts: 910
    Originally Posted by illinidad
    It is instant, but the recipient needs to accept, otherwise the transfer expires in 30 days.
    Not if you enable auto accept, which I had done since the beginning on all my Redbird accts, so didn't even think to include that in the guide. I updated it now with the part below, thx for the reminder:

    Enabling Auto Accept

    If someone sends you money from another prepaid Amex account, you have to accept it before the money deposits to your account. Unless you enable auto accept. This setting is disabled by default. To enable it, login to your Serve/Redbird/Bluebird, go to Settings > Automatically Send and Accept Money >Auto Accept, then click on "Enable Auto Accept".
    NoonRadar is offline  
    Old Oct 16, 2015, 9:51 am
      #11025  
     
    Join Date: Apr 2013
    Posts: 250
    Originally Posted by Gammachu
    This is the first time its happened to me on September 3rd of this month. I knew of potential risks when doing loads with vgc at Target. The transaction went through smoothly and receipt printed out but rather than showing new balance on receipt, it was blank. I noticed I didn't get my successful load email confirmation I usually get instantly, so I went online and saw no loads of my $500. Now I'm temporarily out $500 and disputed the transaction with customer service and got to wait up to 45 days for them to resolve it. I'm just a bit surprised almost 4 weeks have passed and no email to show proof of reload (receipt.) I call once a week to get an update of dispute and pretty much tell me the same thing every time. The visa gift card has been debited so just gotta play the waiting game.
    After waiting 43 days since dispute, I finally got my money today. I moved my money to another account, closed redbird, then opened up serve. Csr were awful to deal with and was told nothing but empty promises. This is just part of the game we gotta deal with when dealing with csr unfortunately.
    Gammachu 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.