Yesterday we wondered if it would be the last day to use credit cards for fee-free reloads of the Target Prepaid REDcard (aka the Redbird).
This morning we found out. I went to my closest Target store in Mondawmin Mall in Baltimore, which just last week was the site where protesting, rioting and looting broke out. I attempted to reload my Redbird with one of my favorite credit cards – the Starwood Preferred Guest credit card by American Express.I was going to start at the Customer Service desk, but there wasn’t anyone there to help.I went over to a register and asked to load $500. The transaction looked normal until it came to the screen where it said that you can’t use Target Gift Cards to reload, but then there was a second phrase added in – prohibiting the use of third party credit cards.
I swiped my Starwood Preferred Guest American Express, and the load was denied. I then asked if I could use a debit card – knowing that I had a $500 Simon Mall Visa Debit Gift Card. I swiped the card, and used the last 4 digits printed on the card for the PIN. I was amazed. THE TRANSACTION WORKED. So the new workaround is to purchase Simon Mall Visa Debit Gift Cards and then load them on to the Redbird.A $500 Simon Mall Visa Gift Card has a purchase fee of $3.95, so I consider it about $8 per thousand of manufactured spend. My local Simon Mall will allow me to purchase up to $10,000 in cards per day, plus $3.95 per $500 card, resulting in a total charge of $10,079.
While this workaround is not nearly as easy – or free – as the Redbird was just yesterday, it still keeps my manufactured spending going. Has anyone else had their credit card reload rejected at Target? Any other creative workarounds?