Last month I was so busy I did not get a chance to try out more Target branches to see if they would reload my Target Prepaid Redcard. On Tuesday when my fiancée and I went to visit our wedding site, I stopped by the branch in Hackensack, NJ to see how it would go there. When I arrived, i asked to load both cards that I have (my own and my fiancées) with no luck – the customer service rep said that I could only load $1000 on one card per day. I pushed back a bit and said that at some point I had had a rep who loaded $2500 with one swipe (by inputting $1000, then another $1000, then $500 into the system). She asked one of her coworkers who said this used to be possible but no longer.
So, in the end, I only loaded $1000 on one card and promptly used it to pay off the credit card bill.
Then, yesterday, I was at the Target in Atlantic Terminal and thought I would try again for myself to see if their policies had changed (my friend had gone there two months ago and found out they only load with debit cards now). It turns out my friend was still accurate because that branch has its own special policy with these things. Shame.
So, now I need to either visit the Target in South Brooklyn where there are reports of letting $1000 per day on each account or continue finding other branches to visit worldwide.
Over the weekend a friend of mine went back to the same Target store that I have been going to for the past three months in an attempt to use his new Target Prepaid REDcard to make some quick points.
Unfortunately, he was told two things that devastated us:
1) All loading of REDcards must be conducted under the supervision of a manager
2) Loading of REDcards may no longer be done using a credit card.
You can imagine how this might upset us.
We were a bit concerned so I did some research on the usual sites (Flyertalk, Frequent Miler, etc) and discovered it was still working for most people. As it turns out, some stores are beginning to get wise to the credit card usage. It’s unclear as of yet the reason why, but there are reports of Target stores disallowing this feature:
For us, though, there is a happy ending (for now). I visited the other Target store in Brooklyn and was able to load with a credit card just fine. I did have to authorize a new payment with the bank (Chase, in this case) since it was a new location. But once that was complete, it went through just fine. I may return tomorrow for more!
While in Providence, RI for Thanksgiving, my fiancée and I took a trip to the local Milford, MA branch of Target to purchase our Target Prepaid Redcards. This new card allows potential manufactured spending in the $1000s per year.
Our plan is simple: every month we will go to our local Target branch with the Redcard and use a points-producing credit card to “load” money on it. Then, once the money has been processed, we will use the Redcard’s online bill pay feature to pay back the debt from the card we used. Since the monthly maximum is $5000, with the two cards we have we can earn at least 10,000 points of manufactured spending each month.
It is possible to earn more points, however, in a number of different ways:
1) If you have a credit card that earns more than 1 point per dollar spent. Some cards treat Target as a “grocery store” in their coding, allowing some cards that give 2x points some play here. Or you might have a card like the United Mileage Plus Club Card that earns 1.5x points on everything.
2) You might have a card that earns 5x points from an office supply store like staples or from a pharmacy like CVS in which case you could purchase debit gift cards (for a small fee) and loud up that way. For me, this might be lucrative enough as I can get a $200 gift card for $4.88. If I earn 1000 points, the cost becomes <0.5 cents per point purchased. We shall see.
We have not received our permanent cards just yet (they arrive in 7-10 business days) but we are excited.
If you want more particular information, visit the FlyerTalk forum page on this card.