My wife has had several challenging experiences trying to load her permanent RedCard at Target with her Chase SP and then Chase Ink. First the problem was Chase fraud protection, but we worked through that. But then she was only able to load $1000. I don't know what kind of error message came up, but she got frustrated and left.
Being the trooper that she is, she went back the next day, and was only able to load $1000 again. She tried $1000 several times and the RedBird machine wasn't allowing any more loading. It was not a problem with the charge being declined, but I don't have the specifics of what the error message was. The cashier or manager said it's limited to $1000/day. (Obviously they don't read DDF.)
I'm hoping this is a fluke at our Target (Watertown, MA). We were able to load $2500 at a Target in MD earlier in the week. And no, we have not yet exceeded the $5000/month cap.
Hoping that no one else has this experience.