Legal analysis: ETC arrears will not affect the annual review. ETC is related to bank credit cards; the traffic control department is not connected to the Internet. However, ETC arrears will affect personal credit. There will be consequences for applying for loans and credit cards at banks in the future. Influence.

Legal basis: Article 1184 of the "People's Republic of China and Civil Code": If the property of others is infringed, the property loss shall be calculated according to the market price at the time of the loss or other reasonable methods.