creditcards


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! Click Here for credit & debit card FAQs.

Click Here to Apply for Your Visa® Credit Card Today!

To report a lost or stolen Credit Card during normal business hours, please call 877-794-6712.  If outside normal business hours, call 800-808-7230.

Doing some traveling? Call SouthPoint at 877-794-6712 first to avoid any interruption of service with your Credit Card.
What It Is

A card that allows you to purchase goods or services or withdraw cash on credit

What It Does

Allows you to get what they need now and pay for it later

Who Is Eligible

Anyone who is credit worthy

Annual or Membership Fee

NONE

Card Types & Rates
*Rates fixed on all transactions

Platinum……………… 9.00%
Gold…………………..12.00%
Classic………………..18.00%

Statement Cycle Dates

5th business day
•EXAMPLE August 2008, the 5th business day of the month is the 7th so that day would be the end
of the billing cycle.

Approval

Must be approved via application

Rewards

Earn 1 point for every $1.00 spent - signature based transactions only
•Points can be used to purchase merchandise or for traveling
•Points will expire after 5 years
•Can redeem points & check point balances at
www.scorecardrewards.com

Grace Period for
Finance Charges

25 Days; excluding cash advances (see Cash Advance section below)

Late Fee

$25.00

Grace Period Before
Fee Applies

25 days after billing cycle closing date

Over Limit Fee

$25.00; only if over limit by $100.00 or more

Cash Advance Fee

NONE

Finance Charges

Begins accruing on the day the transaction is posted to the account at the applicable card’s rate

Withdrawal Limit

$500.00 per day at the ATM ($200.00 per transaction)
•You can w/d your full available balance if transaction is done at the Cash Advance machine
inside the Credit Union.

Balance Transfer Fee

NONE
(balance transfers do earn reward points)

Replacement Card Fee

$10.00

Due Date

2nd of each month

Minimum Payments

•Balance of $850.00 or Less: $25.00
•Balance over $850.00: 3% of the New Balance

Payment Options

•Can be made at any SouthPoint branch
•Can be transferred via online banking or Call24
•Can be mailed to Fidelity
•Can be set up to auto pay from any SouthPoint account
•Can be made via the credit card web site at eZCardinfo.com

Activation

Must call 1-800-456-6870 from the phone number that you wrote on your application

Receive Card

Youshould receive your cards within 7-10 days of ordering

Personal Identification
Number (PIN)

Pre-generated PIN should be received 5 days after card is received.You can personalize it at that time.

Lost or Stolen Card

Call us at 877-794-6712 and also submit a written notice. After hours, call 800-808-7230

Special Characteristics

•Applicant must be primary account owner
•You can have up to 3 additional credit card holders on your account free of charge
•Cannot pay ahead to advance the due date
•Foreign transactions are subject to a 1% conversion/processing fee
•Applicant must be re-approved to get an credit limit increase
•You can view the previous 6 months statements online via the eZCardinfo.com web site.


*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.

SECURITY POLICY | TERMS OF USE © 2009 SouthPoint Federal Credit Union

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Deposit and loan products offered by
SouthPoint Federal Credit Union, Member NCUA
Equal Housing Lender

Investment Products: Not NCUA Insured • No Credit Union Guarantee • May Lose Value

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