If you want to know whether a credit card is cost-effective or a savings card is cost-effective, you must first know what a credit card ETC is and what a savings card ETC is. The savings card ETC is to transfer the money in your bank card to the high-speed account first. When you use ETC on the high-speed, the money will be automatically deducted from the ETC account, which is equivalent to transferring the money first and then using it.

But the savings card has a disadvantage. In some places, the savings card ETC must ensure that there are deposits above 5 yuan in the card. For example, if there is 65 yuan on the card, you will spend 15 yuan on a high-speed trip, but only 4 yuan is in the card. The remaining 4 yuan cannot be used, so you must go to the bank to renew it.

Credit cards are mainly used for charge-to-account consumption, that is, like the flower buds we often use, we use them first and then pay for them. Of course, we must keep a certain amount on the card before we can use it. Even if there is no money in the bank card, we can overdraw it. The most important thing is that it is convenient and fast. When there is no money in the card, we can also pay on the APP.

However, credit cards also have shortcomings. Many times, some users have overdrawn their credit cards, but forgot to pay the fees, and they have been blacklisted by banks, which will have an impact on many things in the future, such as mortgage and car loan. Moreover, credit cards belong to national credit information, and the whole network provides big data, which can be seen by all banking enterprises as long as they are blacklisted. But if you pay in time, the more bills you spend and the more times you repay, the bank will improve your credit and give more credit.

I know about credit card ETC and savings card ETC, which one is better? According to the insiders, if you want good welfare, you should apply for a credit card, because the savings card ETC is inactive in the bank, and at present, the savings card has a small amount of confidential payment, which is risky. The most important thing is that the credit card can provide credit here in the bank, and you can get more loans after the credit is high.

through the above analysis, I still think that credit card is better, and it is more convenient to pay, and there is no need for a deposit of 5 in the card, which can save a lot of money.

I run the ETC of debit cards, because the first batch of ETCs launched by ABC were all tied to debit cards, and now I regret it! I can't wait to change it to a credit card, but I have no time for the time being. Let's share the experience with all riders, hoping to help you.

first of all, it is troublesome to recharge the debit card ETC. As we all know, once the ETC is bound to the debit card, it can't pay the toll directly with the balance of the debit card, but with the electronic cash in the debit card. This kind of electronic cash must be deposited on the counter or ATM with a debit card before the toll can be paid. It's very troublesome not to self-deposit through mobile banking, and it's very uncomfortable to have to go to the bank.

Secondly, with the opening of the small amount double exemption function of debit cards, it brings certain risks to debit cards that have been exposed for a long time (because electronic cash cards are always inserted in the car). If you don't turn off the double exemption function in time, you may be stolen. Some people have said that, but I don't know whether it is true or not, so be prepared.

thirdly, forgetting to recharge will be embarrassing occasionally. In fact, many riders don't care about the change of electronic cash balance, and sometimes forget that when they rush to the toll booth, they find that the balance is insufficient, and they rush to reverse the car with a horn. It's embarrassing, I really met it ~ let everyone laugh. This is basically not the case with credit cards, because it can be overdrawn at any time, but not with debit cards.

fourth, credit card ETC can enjoy more benefits, while debit card benefits are quite limited. For example, credit cards can rob 1 yuan of car washing, discounts and points, including a 1% discount on tolls, while debit cards have basically no other discounts except tolls. At the same time, for riders who are not qualified to apply for a credit card, they can also take this opportunity to easily get a credit card, which is still very good. The application conditions for ETC credit cards are very low.

In a word, credit card ETC can not only realize self-help and convenience, but also increase security, and at the same time enjoy more card issuer benefits, and its advantages are definitely greater than debit card ETC.

This really can't be done across the board. Simply put, it's better to use a credit card or a savings card. Still look at personal needs and analyze the specific situation. It can be roughly divided into these situations.

once you have a credit card, you have opened a credit card, which must be used frequently. In this case, you can choose a credit card directly, because you can deduct money by credit card, just like some mobile phone numbers, you can spend first and then pay. The savings card will not work, which is very convenient for people who often go out and have a high speed ratio.

second, there is no credit card. Some people say that since credit cards are convenient, just open them. Wait a minute, it doesn't mean that credit cards are convenient, so you have to choose credit cards. If you just like to wander around the local area and basically don't get on the high speed, then it is really unnecessary for you to get a card to get an ETC. Because the annual fee of credit card is enough for you to run hundreds of kilometers. Why don't you just use a savings card?

three pre-authorization cards Many banks offer pre-authorization to customers in order to boost their business, which gives them a very favorable discount. Such a bank should ask clearly whether the overdue consumption will be reported. If you can't buy a house in the future for petty gain, it will not be worth the candle.

if you think it's helpful, please give me a compliment!

With the cancellation of toll stations on provincial main lines, we really need to use ETC after ETC lanes replace manual toll lanes. So, where is the ETC? If you go to the bank, should you apply for a credit card or a savings card? Today, we have a good talk through this article.

Let's popularize the ETC cards first. What kinds are they roughly divided into:

Expressway ETC processing center

It is generally recommended that you go to the ETC processing center of expressway for processing. The purpose of ETC processing center is that it is convenient to install equipment and cancel it. If the equipment fails or there are some problems in the payment process, you can go directly to the processing center for consultation and rights protection. With the implementation of ETC installation in China, ETC will have preferential policies at present, and ETC handling centers will also be free of equipment fees.

General card names: Sutong Card, Huitong Card, Lutong Card and so on.

bank ETC

all major banks have launched ETC business, which has the advantage that it is more convenient for users who are relatively difficult to handle in the expressway center in the region.

bank transactions are generally divided into savings cards or credit cards.

of course, it's a credit card. Credit cards don't need to deposit in advance, and you don't have to worry about the failure of deduction. Besides, it's very strong to apply for ETC discounts with credit cards, which are generally 1% off, and savings cards are generally 15% off.

I'm Mao Mao, the account manager of the bank. Let me compare the advantages and disadvantages of credit cards and savings cards in detail.

Advantages of credit cards over savings cards:

First, ETC credit cards offer a large amount of credit cards, so it is difficult to apply for a large amount of credit cards in normal times, which can be regarded as a benefit for customers.

second, if you use a credit card to bind ETC, you will enjoy more toll concessions. In addition, you will also enjoy various preferential activities, such as washing your car for one yuan, giving you a coupon of 2 yuan for the first refueling, giving you a phone bill of 2 yuan for the first consumption, and reducing 2 yuan for staying and eating on Saturday.

Then why do so many people refuse to apply for credit cards? Because there are still many people who have misunderstandings, saying that credit card processing is too troublesome and there is a risk of stolen POS machines.

In fact, it is very convenient and quick to apply for a credit card now, just fill in the basic information on your mobile phone.

Many people are worried because the video of someone stealing a credit card in a car with a mobile POS machine spread on the Internet. In order to avoid this risk, banks now follow a card alone after handling ETC credit cards, which has no financial function. They only need to insert this card when they are on the highway, so they don't have to insert the credit card in front of the car, thus avoiding the risk of stealing. If you are not at ease, you can turn off the credit card flash payment function.

Therefore, it is better to use credit card to handle ETC. I hope my answer will be helpful to the subject.

In my city, ETC is almost semi-mandatory, because there is only one manual /ETC mixed lane in the general expressway, so the efficiency without ETC is naturally much lower than that with ETC. Moreover, the major bank outlets have also made every effort to promote the processing process of ETC. Therefore, it is recommended that car owners should handle it as well, so as not to increase their troubles in the later period.

When handling ETC, you can use a savings card or a credit card. Savings cards have almost no additional conditions, such as management fees, service fees, etc. If you have money, you can scan them. As for credit cards, you don't need to deposit money first, but you can repay them every month when they are due, and you will be exempted from annual fees if you spend a certain number of times. However, the amount of such cards is generally very small, only a few thousand.

firstly, you can use ETC service without recharging. Secondly, if you have a credit card, you can get some discounts and points, and the points can be exchanged for gifts. Moreover, if you often run the expressway and get an ETC credit card, you can not only save a lot of travel expenses, but also enjoy a lot of extra benefits.

one thing to remind, the owner of a credit card ETC must remember to repay it in time, otherwise it will be bad to be dragged to the untrustworthy person to make a bill because of the arrears.

personally, credit cards are the best if possible.

first, even if you deposit money in the ETC savings card, you can't pay the toll directly. You should deposit it and deposit it.

I've suffered this loss. The ETC card is out of money, so I have to go home on the expressway. When I refueled at the gas station, I deposited a toll in the card, and I inserted the card many times along the way, which always showed that the balance was insufficient. I can't help it. When I got off the expressway, I asked the bank about the fee paid manually. He told me to deposit it, not to deposit it, and the savings card could not be swiped directly.

second, you must use a credit card. Even if you don't have any money in your credit card now, you can pay in advance with a credit card and pay it back the next month. You can also save money with another credit card. You can make an emergency in case of an emergency, and you don't have to go to the counter or mobile banking to deposit it.

At present, banks are forced to run etc for various reasons. On the one hand, the quality of car owners is slightly better than that of customers, and their spending power is relatively acceptable, which has a great effect on banks' accumulation of customer deposits and sinking of funds. Imagine how huge the amount of funds deposited by one-person savings card ETC is, so it is a sword and shadow to compete for customers between banks. On the other hand, it is the strategic need for the country to build a strong transportation country. China has the largest railway and highway network in the world, but the supporting scientific and technological facilities are still short-board. With the cancellation of provincial toll stations, the related investment will be balanced again. Manual charging is an obvious example. Who wants to sit in the middle of the night and wait for one car after another with a smile? Besides, safety is also a big problem.

It's best not to run ETC. The system of equal deduction is stable, and it will not be used until the country confirms that the price will not increase.

At present, all banks are launching the free installation of ETC. So, for the owners who handle ETC business, which is better, a savings card or a credit card? Let's talk about Brother Xin's opinion!

If we use a credit card when handling ETC, we don't have to worry about the lack of money in the card.

At present, it is quite convenient to handle the ETC-bound credit card. The biggest advantage of binding the credit card is that we don't have to worry about the lack of money in the card, so there will be no charging problems when passing through the ETC channel of the toll station. For car owners who often run high-speed or drive in go on road trip,

If we handle the ETC with a savings card, we have to deposit money in the card first. If we run a long distance, we may have to prepare a lot of money in it, and once we forget to deposit money, we may be in trouble. If there is no money in the card, the ETC system will not pass. At this time, we have to reverse the car and take the manual passage.

So Brother Xin thinks it's better to bind a credit card to handle ETC, so you don't have to worry about the lack of money in the card.

On May 21, 219, the Ministry of Transport issued the Notice of the General Office of the Ministry of Transport on Vigorously Promoting the Development and Application of Highway ETC, which stated: "Stop issuing stored-value cards and convert existing stored-value cards into charge cards."

the charge card is to spend first and then settle the account, and it can be bound to a bank savings card or a credit card to settle the account.

so, in essence, there is not much difference between a bound savings card and a credit card, but there are also differences.

a deposit is required to bind a savings card to ETC, generally at least in 5 yuan, that is, it is pre-deposited. That is to say, there is at least 5 yuan cash in the savings card when handling it, but not in the credit card. Except for this difference, other fees are the same.

At present, most banks support online processing of credit cards and ETC, while savings cards are not available, except for postal banks. The purpose is also very simple, of course, to increase credit card business, and if you want to use a savings card to bind ETC, you may need to go to the outlet counter to handle it. In addition, it is convenient to use. I think it is almost the same. A savings card is charged first and then consumed, and there is no money, so you need to charge it. A credit card is paid first and then repaid every month. Strictly speaking, a savings card may be more convenient. Of course, if you often use a credit card, you have to repay it regularly every month, so the difference is not great.

At present, all major banks, whether they are bound with savings cards or credit cards, basically get a 15% discount, because this is stipulated in the Notice: "Since July 1, 219, the preferential policy of not less than 15% discount for ETC users will be strictly implemented". In the early stage, several banks may get a 1% discount or a 15% discount, but they have all exceeded the preferential period and have all resumed. As for the service fee, it has something to do with the issuer of etc, but not with the bank. Of course, some banks subsidize the service fee, but it has nothing to do with whether the savings card or credit card is bound, so there is no such thing as the service fee.