Speaking of ETC, I believe that car owners who have run across the expressway will not feel strange. ETC channel can greatly improve the highway traffic rate, reduce the cost of toll management, and bring some convenience to people's lives. However, if you want to go through the ETC channel, you must handle the ETC business. So when handling ETC, is it better to apply for a credit card or a savings card?

actually, it depends on personal needs to deal with these two kinds. Why do you say that? If you go to the expressway frequently, it is recommended that ETC bind the credit card. If you only go to the expressway three or four times a year, choose a savings card.

Let's analyze the advantages and disadvantages of these two methods first, and readers who need them can make their own decisions. First of all, let's talk about the advantages of ETC binding credit cards. Because credit cards are charge-to-account consumption, there is no need to recharge them before use. When the speed is too high, the charge will be directly deducted from the credit card account. Anyway, as long as the credit card has an available credit limit, if the credit limit is not enough, it can be repaid to the account by itself, and it can be used naturally after the credit limit is restored. It saves time and effort. Moreover, ETC will have a preferential policy of 95% to 98% when paying fees, which really leaves a lot of expenses for people who often run high-speed. However, the consumption after ETC is bound to the credit card must be paid back. If the payment is not made on time, it will not only affect the credit, but also cause overdue penalty interest.

if you choose to use ETC-bound savings card, you need to deposit the funds into the bank card first, and then deduct the money during use. Everyone knows that the main functions of savings cards are credit card consumption, transfer, ATM withdrawal and various payment functions. Unlike credit cards, which have financial business functions, car owners don't have to worry about being stolen or losing control of their overdraft.

however, the etc mode of the savings card is that the money on the bank card needs to be deposited in the electronic account of the high-speed toll collection department and then deducted from the electronic account during use, so it is necessary to always pay attention to whether there is enough money in the electronic account. If you have no money, you have to deposit it at the toll booth. There are too many people to queue up, which is time-consuming and laborious. If the balance is lower than that of 5 yuan, you can't use it. To put it bluntly, everyone has a 5 yuan in their card. Even if everyone only uses 1 yuan, then everyone can't continue to use it in 49 yuan. They have to save money to use it.

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