Why is it that people are having different experiences loading their Target prepaid REDcard at store locations?
Wouldn’t you think that such a big company would have rules and policies in place across the board that are followed by all stores? I would but for whatever reason, this is not the case.
Should rules vary from store to store? Better yet, is each store allowed to make up their own policy when it comes to loading REDcard…
Check out some recent posts about Target prepaid REDcard:
- Target Prepaid REDcard Limiting Load By Credit Card To $1,000 Per Day?
- “The Reloaders Are Here”, Another REDcard Experience
- First REDcard Load of March, Not So Great Results
- Target REDcard Experience: Charleston
So far I’ve only loaded my REDcard at four Target locations. I’ve visited all three stores in Brooklyn, NY and one in Charleston, SC, (Mt Pleasant to be a bit more precise).
Loading the card started off close to home without issue. I was originally able to load $2,500 per day with one swipe until the rules changed making it necessary to load the full $2500 as three separate transactions.
Then I heard that one Brooklyn location was no longer accepting credit cards for loads. After hearing the same news a few more times, I didn’t bother trying since this is the furthest location for me to get to.
Soon after they required a manager to load the card, up to $1,000 by credit card while the other did not. Now the remaining two Targets in Brooklyn allowing loads by credit cards need a manager to do the transaction & only allow $1,000 to be added per day.
Things were simple in Charleston. The service rep was friendly and loading $2,500 was a piece of cake….
This made me wonder why Targets seem to either follow different policies when it comes to loading the Prepaid REDcard or make it up for themselves.
I couldn’t be too sure unless I asked!
I decided to call up the phone # on the back of my card to ask a few questions. I said how I was considering getting the card and wanted to find out more information before doing so.
The representative seemed very happy that I was interested in learning more about the card. He also tried as best possible to answer all of my questions.
The rep let me know that some stores charge a $5 fee to buy a REDcard (like in Charleston) while others have it for free. (Nothing new learned here.)
A reader had asked “Can someone tell me if the $5K limit is per calendar month or account sign up anniversary month?” I had responded that it was per calendar month which I reconfirmed while on the call.
And then I asked the question that I really wanted to know the answer to.
I wanted to ask my question without sounding like I knew anything about the card. So, I mentioned how my local Target stores did not sell REDcard and said I would be visiting an area that did. I then asked- “If a store does not sell REDcard can you still reload it in that location?”
He placed me on hold for a minute or two and then told me that each store can make their own decision when it comes to REDcard. He said it was completely at the discretion of the store.
His answer wasn’t so surprising since this seems to be what has been going on over the past month.
So there you have it. Each store has the power to make their own decisions regarding REDcard.