Mar 12, 2015, 11:57 am
RIP Redbird... Fun while it lasted
Mar 4, 2015, 7:44 pm
#181
Join Date: Feb 2015
Posts: 32
What you should do is run to Target and start buying stuff. Surely, you need toilet paper, Tide, Ben & Jerry's, notebook paper, school supplies... SOMETHING. Then do it again tomorrow.
Mar 4, 2015, 7:59 pm
#182
Join Date: Feb 2015
Posts: 32
If I were going to code up an algorithm to catch abuse, and I firmly believe a computer is doing a first pass, there are way too many accounts to go through by hand, I would start with two criteria. Flag max loads, $1k/$1k/$500 within a short time, maybe even up to a day. And flag accounts that have loads and drains within a 24 hour (or 48 or 72) window that match in dollar amounts. Further, I would start with tight time frames first. Flag the biggest abusers. Then increase the time window on further passes. I do believe that spending at Target is very beneficial to your account. This is what they want. Granted, I have no proof or insight to the methodology. I am just speculating.
Mar 4, 2015, 8:11 pm
#183
Join Date: May 2003
Location: CA
Programs: AA Lifetime Gold, HHonors Diamond
Posts: 2,879
We had been leaving some money on RedBird and using it for purchases at Target. They have the best prices on soft goods / detergent etc. so it was nice to get the 5% discount. Wish I could figure out why I was targeted for shutdown.
Mar 4, 2015, 8:13 pm
#184
Join Date: Nov 2011
Programs: Delta Platinum; Marriott Platinum; Hertz PC
Posts: 39
If I were going to code up an algorithm to catch abuse, and I firmly believe a computer is doing a first pass, there are way too many accounts to go through by hand, I would start with two criteria. Flag max loads, $1k/$1k/$500 within a short time, maybe even up to a day. And flag accounts that have loads and drains within a 24 hour (or 48 or 72) window that match in dollar amounts. Further, I would start with tight time frames first. Flag the biggest abusers. Then increase the time window on further passes. I do believe that spending at Target is very beneficial to your account. This is what they want. Granted, I have no proof or insight to the methodology. I am just speculating.
Mar 4, 2015, 8:13 pm
#185
Join Date: Oct 2012
Location: DFW
Posts: 478
The Copyright of communication by REDcard has been recently updated as '2014-15'. OP's email is still showing '2014'... Nice job OP.
Mar 4, 2015, 8:14 pm
#186
Join Date: Mar 2007
Location: Midwest U.S.A
Programs: Too many to list. Since the early 90's.
Posts: 1,407
Other new threads that have something to do with a subject already covered in an existing thread get merged. Why isn't this one being merged into the existing Redcard thread? Hmmmm?
Mar 4, 2015, 8:17 pm
#187
Join Date: Sep 2005
Location: Tucson - Seattle
Programs: UA 1K;
Posts: 2,474
Can you imagine the giggles the AMEX/Redbird folks are having reading these posts?
Mar 4, 2015, 8:18 pm
#188
Join Date: Feb 2015
Posts: 32
I am new to MS and Flyer Talk, so I don't know why this new thread began. I agree it should be in the current 2015 thread. Regardless, the account closings are legit.
Mar 4, 2015, 8:25 pm
#190
Join Date: Oct 2010
Location: DCA/IAD
Programs: AA plat, SPG gold
Posts: 721
So was their online access ever suspended? Seems odd that they never reported problems signing in before receiving this letter.
Mar 4, 2015, 8:26 pm
#191
Join Date: Feb 2015
Posts: 32
The easiest first targets are max loaders. They numbers are well defined, published.
Mar 4, 2015, 8:30 pm
#192
Join Date: Feb 2015
Posts: 32
Wish I knew why you were too. All I can do is speculate. Did you load maximum per day $2500 (3 transactions) on two days of the month, to meet the $5k limit?
Mar 4, 2015, 8:33 pm
#193
Join Date: Feb 2015
Posts: 32
More than just the amounts of loads though, I think how quickly the money is removed from the account, and how much was spent at Target are more important.
Mar 4, 2015, 8:36 pm
#194
Join Date: Dec 2014
Location: New York City + Vail, CO
Programs: American Airlines Executive Platinum, Marriott Bonvoy Ambassador Elite
Posts: 3,226
If the e-mail were real it would violate FINCEN requirements, not to let the client know that a SAR has been filed/why. A real bank, particularly one as large as Amex would not reveal their reporting/closure thresholds.
Mar 4, 2015, 8:37 pm
#195
Join Date: Feb 2015
Posts: 32
I am completely baffled by why anyone is focusing on the copyright date.