Agricultural Bank of China, Bank of Communications and Postal Savings Bank all have similar ETC integrated cards. It is not only an ETC pass card, but also a credit card that can be overdrawn. It's powerful! However, its shortcomings are also obvious!
Special reminder: if you have already applied for this ETC credit card, you can turn off the confidential payment function at the bank outlet!
Compared with the integrated card, I think it is safer and more convenient to separate the two cards! At present, there are also high-speed cards handled by ICBC, BOC and CCB, all of which support the separation of TC cards and credit cards!
ETC card (pass card) is only used for high-speed traffic, has no financial payment function, cannot be recognized by other systems (or equipment), and there is no possibility of being stolen! The toll generated by ETC card will be deducted through the bound bank card (general delay 1~3 days).
As for which bank to choose to handle ETC business, I personally think that there are six major state-owned banks with many outlets and little difference in service. The key is to compare which bank's preferential activities are more "powerful"! And in various regions, the bank's ETC promotion activities are not exactly the same! You have to compare with each other!
Strictly speaking, there is only one kind of ETC card. Only different departments issue cards. One is issued by the four major banks of industry, agriculture, construction and China and Guangfa Bank. The other is from the courier company. The names of ETC in different provinces may be different, but their functions are the same. This is also the only choice for ordinary car owners. The ETC card of bank marketing is bound to the bank credit card, which is a courier account specially used for high-speed charging. It is different from the credit cards issued by banks for credit and consumption in the past.
According to relevant information disclosure, from next year, the national highway toll reform will be carried out, and ETC toll will be fully implemented on expressways. This is probably mandatory. Therefore, it is recommended that you do not install ETC for the time being. It is not too late to wait until the national policy is introduced next year.
I used Lu Tong Card A's ETC, which is a Longka credit card, and it feels very easy to use.
I have used Lu Tong Card A for four years. Four years ago, when I bought a car, I handled the car staging from CCB. By the way, I handled the ETC and the Passerby A card. Whenever I took the expressway, I saw that the ETC lanes were unobstructed and the artificial lanes lined up, so I wondered why so many cars were not equipped with ETC. With the introduction of the national high-speed traffic policy, from next year, all expressways will be changed into ETC lanes, leaving only one artificial lane. And in the future, the parking lot will use ETC to get in and out. It can be said that without ETC, the car will be unable to move. It is imperative to install ETC. Banks seize this opportunity to vigorously market ETC, seize auto customers to bind bank cards, and make them long-term cooperative customers of banks. Therefore, banks have launched fierce competition, and ETC competition has become fierce.
When installing ETC four years ago, I applied for the A card of Lutong Card, which was bound to debit card for automatic deduction. When taking the expressway, the toll is equivalent to a credit card consumption, and it will be repaid automatically after the account is issued, which is quite convenient. However, compared with the ETC Road Child Card currently marketed by CCB, it has two shortcomings: My Road Child Credit Card A needs to be plugged into OBU equipment when passing through the expressway, and it needs to be carried at any time when using and consuming. Sometimes I forget to pull the card when I get off the highway, and I can't find the card when I spend it, only to find that the card is still in the car. At present, the road pass card and OBU equipment sold by CCB are installed together and do not need to be pulled out. Just carry a bound credit card with you. Second, the road child card bound with ETC is generally valid for three years. After the expiration, the display equipment failed to pass through the high-speed ETC lane, and then went to the bank to postpone it for ten years. At present, the ETC equipment and road children's cards marketed by CCB are effective for a long time and are no longer limited by time. As long as they don't change cars, the equipment will not be damaged and can be used for a long time.
Will people worry about whether ETC will be stolen? After all, some drivers did have their ETC cards stolen. It's just because my ETC has opened confidential payment, so as long as someone else's POS machine is posted, it's a sum, and a sum of 300 yuan's funds will be brushed away. No one else needs to brush the password!
However, does this situation of stealing ETC still exist? In fact, some ETC users of the "two-in-one" co-branded cards jointly issued by some established high-speed industries and banks do still have the function of "flash payment" of UnionPay and have opened the "confidential and visa-free" service, which needs to be closed in time.
However, the current ETC card has turned off the secret-free payment function of ETC by default, so you don't have to worry too much.
So, what should I do to apply for ETC now? A savings card or a credit card? Or which credit card?
Which credit card ETC is more suitable for processing? Our suggestion is-you can consider dealing with it. However, you should know that no matter what kind of credit card, there are certain problems, and that is the annual fee. Even if you think that the annual credit card fee is temporarily waived, there will still be an annual fee problem over time. So my suggestion is that you can consult more, and the annual fee is the longest.
First of all, before the outbreak of ETC, the top ten banks in 20 18 handled ETC business.
At present, banks are vigorously promoting ETC credit cards. If you haven't done it before, you can open an ETC credit card now, which will not only get the equipment for free, but also have a high card issuance rate.
At present, almost all banks handle ETC credit cards free of charge, with a minimum of 8.5% discount on high-speed tolls. Some banks offer higher discounts, such as 10% discount and 20% discount, and hengfeng bank even offers 50% discount in the first three months. The preferential strength can be said to be very large.
There are many kinds of ETC credit cards, mainly depending on the specific needs of car owners.
For car owners who often run high-speed in China, priority can be given to ETC credit cards with the largest discount on high-speed fees. It would be better if there were cashback. At present, hengfeng bank offers a 50% discount for the first three months and a 20% discount for the fourth to sixth months, which is more suitable for car owners who often run high-speed.
For car owners who often run high-speed highways in the province, priority can be given to ETC credit cards of local banks. Generally, the high-speed discounts of ETC credit cards in local banks are very large, almost ranging from 50% to 20%, as well as refueling cash back and free car washing activities. Therefore, car owners who don't often go out of the province can focus on the high-speed fare concessions in the province to choose which bank to handle.
At present, there are two kinds of ETC credit cards, one is the combination of two cards, that is, the credit card and ETC card are the same card, which can be used for bookkeeping and settlement. Although convenient, there is a risk of being stolen. There is also the separation of the two cards, that is, after the ETC card and the bank card are bound, the ETC card is used for bookkeeping and the bank card is used for settlement, which is safer and there is no risk of being stolen.
Therefore, for small coffee, I suggest you choose the ETC credit card with "two cards separated" mode. If you have already handled the dual-card owner, you can turn off the flash payment function in the mobile APP to avoid being stolen.
Different banks have different preferential policies, but Xiao Cafe suggested that when dealing with ETC business, we should also pay attention to the preferential policies of Chu Bank, and not just look at discounts, such as whether the preferential policies have "limits", "caps" and "expiration dates".
Don't choose ETC credit card (now closed), choose obu prepaid card to bind bank card (credit card or debit card).
Car owners and friends who often run high-speed know that it will be very convenient if the vehicle has handled ETC. There are many banks that support ETC now, and ETC-related credit cards are even more dazzling. So, which ETC credit card is more suitable for ordinary car owners? How to choose ETC credit card? The author has collected some very good ETC credit cards owned by banks, and the subject can refer to them.
Guangfa Bank. China guangfa bank's ETC credit card gives drivers accident insurance rights immediately when they hold the card, and gets 1% cash back when they refuel, with a 20% discount on the monthly ticket when they spend more than 3,000 yuan, and free road rescue. Annual fee rules: Puka 40 yuan/year, supplementary card 30 yuan/year; Gold card 80 yuan/year, supplementary card 48 yuan/year, you can avoid the annual fee for the following year if you spend six times. Puka and Gold Card are free of annual fee in the first year, and the annual fee is free in the following year after spending 6 times.
The ETC credit card of Bank of Communications, and I am also using the ETC credit card of Bank of Communications, is still very good. When applying for the ETC credit card of Bank of Communications, you can enjoy a 50% discount in the food business circle, six drunk driving trips and airport VIP rooms for platinum card users, gas supply discounts, and a 15% discount on tolls. What's more worth mentioning is that Bank of Communications supports online application for ETC, and car owners can apply for ETC online by downloading the mobile app of Bank of Communications. After the application is successful, ETC will be sent to the owner's home free of charge.
China Construction Bank. Car owners can enjoy 15% discount on free road rescue, equipment donation, car wash service, annual vehicle inspection and high-speed toll when they apply for CCB ETC credit card.
In addition, the ETC credit cards of Agricultural Bank, Industrial and Commercial Bank of China and Bank of China all have corresponding discounts on high-speed charges, and the subjects can choose by themselves after comparison. At the same time, the ETC credit card discount mentioned by the author is only a reference for the subject. If the subject wants to apply for ETC credit card, the preferential policy information of the local bank shall prevail.
High-speed ETC greatly reduces the waiting time of car owners and saves time. The main purpose of high-speed ETC is to reduce toll collectors, provide efficient and convenient services, identify a car through the electronic eye induction system, and complete some procedures of buckling columns and lifting poles. This is a very accurate and practical independent system.
Which ETC is more suitable for ordinary car owners?
This should be given to the bank. Why? Because our high-speed ETC machines are all bound with bank cards, the fees can be deducted automatically. At present, all major banks can handle the high-speed ETC function, and the discounts are more affordable than one. Moreover, ETC equipment is also free of charge, and some banks even have discounts of 10% and 8.5%.
For riders who often run back and forth all over the country, you can choose an ETC credit card with a large discount, which will save a lot of money in the long run (many a mickle makes a mickle).
At present, there are two kinds of high-speed ETC credit cards:
One is the combination of two cards, that is, credit cards and ETC cards are the same, which can be settled and accounted for.
Second, the two cards are separated. After ETC and bank card are bound, it is safer to use ETC for bookkeeping and bank card for settlement, and there are no other disadvantages.
The preferential discount of each bank is different. It is suggested that riders ask whether there are any discounts, how long the term is, the standard of deduction, and the upper and lower limits when handling ETC, so as to facilitate future use.
Pay attention to senior Chen. You can consult me about buying a car and using a car, and I will answer them one by one. Thank you!
What kind of ETC credit card is suitable for ordinary car owners? This little friend doesn't know much about this ETC credit card. Choosing ETC credit card actually means the same as ordinary credit card. Here is a brief introduction to the charging principle of this ETC, and you will know how to choose a credit card.
ETC is a charging system with no more functions. When the car gets on the expressway, ETC information will know the driving route of the car through the expressway entrance, thus generating the charging amount, and then deducting the money through the related account bound by ETC. If a credit card is bound, money will be deducted from the credit card. This has nothing to do with what kind of credit card.
Therefore, Baileyu strongly suggests that if you apply for ETC, you can choose the existing credit card. If not, you can apply for your favorite credit card without considering ETC. It's just a binding relationship There is no need to apply for ETC special credit card now. In fact, it is still flawed, and fast payment is very unsafe. So if you don't have a card, go to the bank and get a credit card that you think is more practical, and then do ETC to bind the account to this credit card.
That's Baileyu's suggestion. You don't need to apply for that ETC credit card. It's out of date now. Now all you have to do is swipe your card. You can apply for a credit card separately or together. You can apply for anything you like, such as a car credit card or a shopping credit card. There is nothing, and the card does not need to be inserted into the OBD design of ETC, which is more convenient.