You should validate the radio buttons separately after the main fields are validated. Then once you have a valid radio button you would call your function to validate credit card information.

So your validation routine would flow like:

checkNeededFields.
checkRadio
If Radio != Check and Radio != Invoice then
checkcreditinfo

For your radio checking you could say something as simple as:
if obj.paymenttype.value != "check" && obj.paymenttype.value != "invoice" { checkccfields(obj) }

Of course you then need to remove your radio button from the list of needed Credit Items as it shouldn't really be included in that group anyways.

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Wayne Luke

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