SouthPoint Federal Credit Union offers the financial services you expect including a Visa® Credit Card. When you apply through SouthPoint you'll get a great rate, no annual fee, and a reward program. The benefits of membership just keep coming!
| What It Is |
A card that allows you to purchase goods or services or withdraw cash on credit |
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| What It Does |
Allows you to get what they need now and pay for it later |
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| Who Is Eligible |
Anyone who is credit worthy |
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| Annual or Membership Fee |
NONE |
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| Card Types & Rates *Rates fixed on all transactions |
Platinum……………… 9.00% |
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| Statement Cycle Dates |
5th business day |
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| Approval |
Must be approved via application |
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| Rewards |
Earn 1 point for every $1.00 spent - signature based transactions only -Points can be used to purchase merchandise or for traveling |
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| Grace Period for Finance Charges |
25 Days; excluding cash advances (see Cash Advance section below) |
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| Late Fee |
$25.00 |
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| Grace Period Before Fee Applies |
25 days after billing cycle closing date |
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| Over Limit Fee |
$25.00; only if over limit by $100.00 or more |
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| Cash Advance Fee |
NONE |
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| Finance Charges |
Begins accruing on the day the transaction is posted to the account at the applicable card’s rate |
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| Withdrawal Limit |
$500.00 per day at the ATM ($200.00 per transaction) -Members can w/d their full available balance if transaction is done at the Cash Advance machine inside the Credit Union. |
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| Balance Transfer Fee |
NONE |
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| Replacement Card Fee |
$10.00 |
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| Due Date |
2nd of each month |
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Minimum Payments |
Balance of $850.00 or Less: $25.00 |
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| Payment Options |
-Can be made at any SouthPoint branch |
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| Activation |
Must call 1-800-456-6870 from the phone number that you wrote on your application |
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| Receive Card |
You should receive your cards within 7-10 days of ordering |
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| Personal Identification Number (PIN) |
Pre-generated PIN should be received 5 days after card is received. You can personalize it at that time |
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| Lost or Stolen Card |
Call us at 877-794-6712 and also submit a written notice. After hours, you can call 1-800-808-7230 |
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| Special Characteristics |
-Applicant must be primary account owner |
*If your minimum monthly payment is not received and your account becomes 1 cycle(s) past due 2 time(s) or more in the past 12 month(s), your rate will be increased to the penalty APR.
Apply for your Visa® Credit Card today!
Doing some traveling? Call SouthPoint at 877-794-6712 first to avoid any interruption of service with your SouthPoint Visa® Credit Card.
To report a lost or stolen credit card during SouthPoint's normal business hours, please call 877-794-6712. To report a card after hours or on weekends, please call 800-808-7230.
