Credit Cards

In order to remove a joint owner from a credit card the current card account should be closed completely and a new account established.


Yes, to activate an unsubscribed user, the user registers as a new user. The user is required to select a new user name; if the user enters their previous user name an error displays. Upon successful registration, the user may once again use CardValet.

In order to switch from a Rewards Credit Card to a Select Credit Card or vice versa, you need to reapply and go through the application process. Upon approval, a new credit card with a new number will be issued.

Yes, cardholders can register multiple cards within a single CardValet app. Additional cards can be added within the Menu > Manage Portfolio > Add Card screen.

The primary device is used to track the GPS for My Location alerts and controls and all merchant and threshold alerts will be sent to the primary device. All devices that have registered a particular card can view or change the CardValet settings for that card.

At this time the PIN's on a credit card can not be personalized.  A PIN mailer is mailed to the Member containing the PIN assigned to each card when the card is opened.  If you need a PIN mailer sent please contact 877-221-6947 request a new PIN mailer.

If a cardholder does not have an email or SSN on record, they are requested to perform a PIN-based transaction. The PIN-based transaction may be performed at an ATM or to make a purchase. The amount entered is compared to the historical transaction data.

If the cardholder does not know their PIN, they can reset it by calling 800-567-3451.

You have 4 ways to make your SouthPoint Financial Credit Union credit card payment:

  1. ​​​​Mail the payment to any of our branch locations

  2. Drop off a payment at any SouthPoint branch

  3. Transfer funds in Online or Mobile Banking

  4. Schedule a payment through our Online or Mobile Banking app

SouthPoint will not open a credit card for anyone that has filed bankruptcy within the last 5 years.

A new application must be completed by both the existing and the potential joint account owner as both the credit limit and interest rate could change.  A new card will be ordered for the new joint owner if approved; the existing card holder will not receive a different card.

No, credit card rewards points do not have an expiration date.

No, at this time credit card balance transfers do not earn Reward points.

Controls (including the On/Off setting) are set at the card level, so the last update to a control will be honored regardless of which phone was used to make the change. Alerts are set at the device level, so each primary device will receive alerts that were set up from that particular device. The primary device can be re-set by accessing Settings > Primary Device.

There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models.

Over 200 factors of a credit report may be considered when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical.

No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges:

  • Excellent - 781–850
  • Good - 661-780
  • Fair - 601-660
  • Unfavorable - 501-600
  • Bad Below - 500

There are lots of interpretations of "good credit". If you have had credit difficulties in the past, the best way to find out if we can assist you is to apply for a loan.

The minimum credit limit for Secured Cards is $500.00. Lower credit limits have been granted as exceptions.

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