Section 5: "Receiving Money and Funding Your Account"
We reserve the right, in our sole discretion at any time, to limit or change the number or type of Payment Funding Sources an individual may link to an Account. You may not load funds to your Account from any source that we do not expressly permit in this Agreement. In the event you link or add funds from a Payment Funding Source that is not in compliance with these terms, we reserve the right in our sole discretion to limit, block, or place a hold on certain transactions or transfers and/or close your Account.
Section 5 also includes details of all the funding sources, but the relevant part (currently) about loading with "Cash Equivalents" like debit cards doesn't say anything to specifically say that VGCs are disallowed.:
You may add funds to your Account by (i) presenting cash (US currency only) or other accepted tender and your Card at participating Target stores in the U.S. or (ii) using other cash funding sources and methods accepted by us from time to time (collectively, “Cash Funding Sources”). To add funds to your Account with cash or other accepted tender at a participating Target store in the U.S., present your activated Card and the amount of cash or other accepted tender you want to add to your Account to the cashier. To find a participating Target location, visit the Prepaid REDcard Site. Cash loads are subject to your Account transaction limits and such other restrictions we may add to this feature from time to time. We reserve the right to delay the availability of funds added to your Account from any Cash Funding Source until such funds have cleared and posted to your Account, although such funds will generally post within thirty (30) minutes of the funding transaction. We and participating Target stores in the U.S. may change accepted tender types and funding methods for the Account at any time for legal, risk management, security or other purposes. In addition, your ability to add funds from any Cash Funding Source is also subject to the transaction limits on your Account related to adding funds (visit the Prepaid REDcard Site or contact us to find out what those transaction limits are).
Please note: Cash Funding Sources are services and products provided by third parties. Even though we allow the use of these Cash Funding Sources to add money to your Account, we do not provide these services or products and are not responsible for any service issues that arise with them. Use of a Cash Funding Source is subject to the terms and conditions established by the provider of the Cash Funding Source. When you attempt to add money to your Account via a Cash Funding Source, we will notify you via e-mail when the transaction is completed successfully. You may also view any approved transactions by logging into your Account on the Prepaid REDcard Site.
Section 15D: "Suspension of Use; Cancellation; Closure"
We, in our sole discretion, may limit your use of, suspend or terminate your privileges with respect to your Account (including your Reserve), Sub-Account, Card and/or Sub-Account Card with or without cause or notice, other than any notice required by Applicable Law. We will only close your Account if there are no funds remaining in your Account (including your Reserve) or Sub-Account, unless you specifically instruct us to close your Account or Sub- Account with funds remaining, in which case, any remaining funds will be escheated to the applicable state in accordance with Applicable Law. Closure of your Account will prohibit your access to the Service.
If we decide to close or suspend use of your Account or Sub-Account (which closure will result in termination of your privileges with respect to the associated Card and/or SubAccount Card), we will send an email to the primary email address we have in our records for you. Upon closure of your Account and/or Sub-Account (and termination of your privileges with respect to the associated Card and/or Sub-Account Card), you must immediately discontinue use of your Account and/or Sub-Account and associated Card and/or Sub-Account Card, as applicable. Our closure of your Account and/or Sub-Account (and termination of your privileges with respect to the associated Card and/or Sub-Account Card) will not affect your obligations under this Agreement.
As bolded above, maybe the cards have a better chance of staying open if we don't zero the balance out? OP, were your cards sitting at 0 balance?*