@AWI, @mfalkvidd Thank you for your time trying to help me.
I just found a Modified SD library to use pins A0-A3 for software SPI. I got it to work!!! So happy. 
If anyone interests, the link is below:
Modified SD library to use pins A0-A3 for software SPI
0_1475856752676_SD-hardcode-use-pins-A0-A3.zip