MY EXPERIENCE.
They indeed became more strict, I use to go to target did the FT method with no problems, now I went and the system didn't aloud any more FT Method, so I did 3 separate transactions and after I asked her if I can load my wife's card she wasn't so happy about it but I asked her if she can try Please, she tried and went through, then I had one more card to load I didn't want to ask the same cashier to load 3 cards so I went to other cashier to load I asked her can you please load 1k she Told me that I gotta go to CS, I went there and she looked on my RC and my CC and asks me why the names are different I said my father asked me to load, she did 1k and I asked to do an other 1k and DID NOT ask her to do $500 because she looked at this whole like something is going on over here. I told her thanks you and left the store... People please use more cation, if you will ruin the system they will stop it.