I got my hands on my Target REDcard in January of this year and it wasn’t long before I started encountering issues with loads being done by credit card.

By the end of February at some Target locations a manager had to load the card, also limiting loads to $1,000 per day. This made loading the full $5,000 per month take 5 visits as opposed to 2. 

It seemed like each Target was making up its own policies about REDcard. While the card was becoming a pain to load in Brooklyn, I had no issues in Charleston or Atlanta.

Then at the beginning of May a memo went out to Targets and credit card loads to REDcad stopped being allowed. This was awful news and bad timing since I didn’t eve get a chance to finish loading the full amount of the month.

Since then I’ve been loading my REDcard with gift cards which are considered a debit card.

Considering credit cards stopped being allowed for REDcard loads around 6 weeks back, why now did American Express decide to send out a notice by e-mail to all of us? The notice contained nothing new as far as it looks to me. Were credit cards still working at some Target stores around the country?

For those of you that didn’t receive this notice and are curious as to what it says, here it is:

“We wanted to let you know that you will no longer be able to load your Target Prepaid REDCard by American Express at Target stores with a Target GiftCard or a non-Target branded credit card. You can continue to load your card with cash or debit at Target stores.

You can also add money to your Target Prepaid REDcard by American Express online through direct deposit or transfer from your linked debit or bank account.”

Amex, thanks for the message but how about giving us a little warning last month when loads by credit cards really ended!

For now I’ll continue to use the card as I have been. Hopefully the debit card option doesn’t go away in the near future…