Author Topic: The Target Prepaid REDcard (Read 1916792 times)

pixi · « **Reply #6320 on:** March 02, 2015, 02:39:33 PM »

If I charge my card 10k ( useing redcard) can it trigger a FR?
Because I charged it 10k and by 5k I got a fraud alert and by 7k again but I verified it so it worked but after 9.5k it didn't wanna work anymore and I didn't get no fraud alert.

Marco Polo · « **Reply #6321 on:** March 02, 2015, 02:43:39 PM »

Quote from: pixi on March 02, 2015, 02:39:33 PM

If I charge my card 10k ( useing redcard) can it trigger a FR?
Because I charged it 10k and by 5k I got a fraud alert and by 7k again but I verified it so it worked but after 9.5k it didn't wanna work anymore and I didn't get no fraud alert.

Charge cards have unofficial limits. You may have hit yours.

pixi · « **Reply #6322 on:** March 02, 2015, 02:45:08 PM »

Quote from: Marco Polo on March 02, 2015, 02:43:39 PM

Charge cards have unofficial limits. You may have hit yours.

No! I didn't. I know my limits. When I try to verify now the charges online it says that I should Carr immediately. I'm afraid to call

Marco Polo · « **Reply #6323 on:** March 02, 2015, 02:45:53 PM »

Quote from: pixi on March 02, 2015, 02:45:08 PM

No! I didn't. I know my limits. When I try to verify now the charges online it says that I should Carr immediately. I'm afraid to call

Most likely is fraud. Call and say it was you who made the charges.

12HRS · « **Reply #6324 on:** March 02, 2015, 02:48:47 PM »

Quote from: pixi on March 02, 2015, 02:45:08 PM

No! I didn't. I know my limits. When I try to verify now the charges online it says that I should Carr immediately. I'm afraid to call

just call. if its fraud it gets resolved quickly. if its an FR then you deal with it. no point stressing over what might be nothing.

Aj3042 · « **Reply #6325 on:** March 02, 2015, 03:29:35 PM »

Quote from: pixi on March 02, 2015, 02:45:08 PM

No! I didn't. I know my limits. When I try to verify now the charges online it says that I should Carr immediately. I'm afraid to call

Was this the Amex PRG or BGR (sounds like that)? If so and you charged up things too quickly you may be in hot water but it may be a mini FR not the real deal. Just make sure you can explain your actions when you call.

Aj3042 · « **Reply #6326 on:** March 02, 2015, 03:31:23 PM »

Quote from: pixi on March 02, 2015, 02:45:08 PM

No! I didn't. I know my limits. When I try to verify now the charges online it says that I should Carr immediately. I'm afraid to call

How can you possibly "know your limits" on a charge card? It's an internal AMEX thing even if you asked them they can't tell exactly what your limit is (only what is not your limit-meaning what you can charge).

pixi · « **Reply #6327 on:** March 02, 2015, 03:50:47 PM »

Quote from: Aj3042 on March 02, 2015, 03:29:35 PM

Was this the Amex PRG or BGR (sounds like that)? If so and you charged up things too quickly you may be in hot water but it may be a mini FR not the real deal. Just make sure you can explain your actions when you call.

What should I tell them. I did 10k by target for.... ? What for?

duvz · « **Reply #6328 on:** March 02, 2015, 03:51:15 PM »

Fraud alerts out the wazoo! Tried loading with newish Chase Southwest card (2nd time loading with it) and no go. I call fraud services tell them I'm extremely frustrated and that I don't want any more fraud alerts for my purchases at Target. The fraud rep says he's sorry and that there's nothing they can do, their system sees a seemingly disproportionate charge made at target and due to the recent security breach transaction will not go thru. He got me using the card again, I loaded 1k, then got denied for another 1k immediately afterwards so I loaded with another CC then jumped back to the SW card for 500. Wouldn't let me load after that. Tried calling fraud services again but didn't have the patience to wait another year 10+ mins. Argg! Super frustrating. Anyone have any suggestions on how to avoid this recurring nightmare?

pixi · « **Reply #6329 on:** March 02, 2015, 03:51:38 PM »

Quote from: Aj3042 on March 02, 2015, 03:31:23 PM

How can you possibly "know your limits" on a charge card? It's an internal AMEX thing even if you asked them they can't tell exactly what your limit is (only what is not your limit-meaning what you can charge).

Online you can check how much you can still spend, I recently checked and I was approved still to make more then 20k

Marco Polo · « **Reply #6330 on:** March 02, 2015, 03:52:54 PM »

Quote from: pixi on March 02, 2015, 03:51:38 PM

Online you can check how much you can still spend, I recently checked and I was approved still to make more then 20k

Have you called yet?

yuguy · « **Reply #6331 on:** March 02, 2015, 03:54:37 PM »

Quote from: duvz on March 02, 2015, 03:51:15 PM

Fraud alerts out the wazoo! Tried loading with new Chase Southwest card and no go. I call fraud services tell them I'm extremely frustrated and that I don't want any more fraud alerts for my purchases at Target. The fraud rep says he's sorry and that there's nothing they can do, their system sees a seemingly disproportionate charge made at target and due to the recent security breach transaction will not go thru. He got me using the card again, I loaded 1k, then got denied for another 1k immediately afterwards so I loaded with another CC then jumped back to the SW card for 500. Wouldn't let me load after that. Tried calling fraud services again but didn't have the patience to wait another year 10+ mins. Argg! Super frustrating.

I've found it helpful to put a high charge amount on your account--With chase you can set them for a month or so out from when you call. They'll ask location, store(s) and rough amount ($2000-$3000, or whatever, but a range works). Haven't had any issues after that. I only called for Target but ended up doing high spending elsewhere, and didn't have an issue.

pixi · « **Reply #6332 on:** March 02, 2015, 03:54:49 PM »

Quote from: Marco Polo on March 02, 2015, 03:52:54 PM

Have you called yet?

No. Because last time I had a very similar thing and they asked me all kinds of questions, and it was a mini FR, and now I'm not sure what to tell them if they will ask me why I spend 10k at Target?

Marco Polo · « **Reply #6333 on:** March 02, 2015, 03:55:29 PM »

Quote from: pixi on March 02, 2015, 03:54:49 PM

No. Because last time I had a very similar thing and they asked me all kinds of questions, and it was a mini FR, and now I'm not sure what to tell them if they will ask me why I spend 10k at Target?

I don't think it will just go away over time. May be better to rip the band-aid off.

pixi · « **Reply #6334 on:** March 02, 2015, 03:57:38 PM »

Quote from: Marco Polo on March 02, 2015, 03:55:29 PM

I don't think it will just go away over time. May be better to rip the band-aid off.

You are right. But what should I tell them? I spend 10k at Target because.....

rots5 · « **Reply #6335 on:** March 02, 2015, 03:59:06 PM »

Quote from: pixi on March 02, 2015, 03:57:38 PM

You are right. But what should I tell them? I spend 10k at Target because.....

u like to spend tons of money there.

u brush ur teeth a lot?

u bought a local homeless shelter tons of futons?

duvz · « **Reply #6336 on:** March 02, 2015, 03:59:42 PM »

Quote from: yuguy on March 02, 2015, 03:54:37 PM

I've found it helpful to put a high charge amount on your account--With chase you can set them for a month or so out from when you call. They'll ask location, store(s) and rough amount ($2000-$3000, or whatever, but a range works). Haven't had any issues after that. I only called for Target but ended up doing high spending elsewhere, and didn't have an issue.

Thx for the tip! How do u do this, thru ur Chase account online or over the phone with fraud services?

pixi · « **Reply #6337 on:** March 02, 2015, 04:00:55 PM »

Quote from: rots5 on March 02, 2015, 03:59:06 PM

u like to spend tons of money there.

u brush ur teeth a lot?

u bought a local homeless shelter tons of futons?

It's not so simple as you make it, last time I told them that I like to shop at Target a lot I bought many things and they didn't let go... I got transfered to many departments till it got resolved

Marco Polo · « **Reply #6338 on:** March 02, 2015, 04:02:27 PM »

Quote from: pixi on March 02, 2015, 04:00:55 PM

It's not so simple as you make it, last time I told them that I like to shop at Target a lot I bought many things and they didn't let go... I got transfered to many departments till it got resolved

Say you loaded to Redcards to pay for bills.

12HRS · « **Reply #6339 on:** March 02, 2015, 04:05:09 PM »

why is it there business what you are buying at target. lets say it was a very costly medication from the pharmacy, thats private information. as long as you didnt lie to them about your income and they can verify that you should be ok.

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Author Topic: The Target Prepaid REDcard (Read 1916792 times)