How to charge credit cards etc? Comparison of charges from major banks

We all know that ETC is an electronic non-stop toll collection system. After applying for an ETC credit card, it will be more convenient to pass the high-speed highway, but how is the payment deducted from the etc credit card? Is it okay to deduct the money from the credit card and pay it back on the due date? What should I do if my credit card limit is not enough? Are the deduction methods the same for every bank?

1. Automatic charging of ETC credit cards

ETC communicates with the microwave equipment in the ETC dedicated lane through the "vehicle electronic tag speed pass IC card" to enable vehicles to pay on the expressway without stopping. Fully automatic toll collection system with toll function. To put it simply, when a car with an ETC electronic tag installed passes through the highway toll gate, there is no need to stop, and the system will automatically deduct the toll.

The account of the expressway ETC management unit has been networked with the bank. When you pass through the toll station, it is transmitted to the expressway management company through the toll station network, and then through the management company, you pass and the deduction is required. The fee information is transmitted to the bank, and the bank will write the deduction information to your signal card. This step is equivalent to going to the supermarket and swiping your credit card (your credit card has an electronic account in the bank, and the bank will automatically deduct your funds, no need for you to swipe your card).

ETC credit card express card charging business model is divided into two types: one is the prepaid model of stored value card and debit card, and the other is the postpaid withholding business that is bound to a bank account. Account card. Because the deduction method for high-speed tolls bound to credit cards is daily batch deduction by the head office, which is different from the deduction type when using a debit card, real-time SMS reminders for deductions are not yet available.

2. Deduction methods for ETC credit cards of various banks

1. China Construction Bank

If your car is equipped with OBU equipment, please send your support The high-speed payment credit card can be inserted into the OBU and passed directly through the ETS channel. If you do not have OBU installed, or you pass through the MTC channel, then you take the initiative to show your CCB credit card, and the money will be directly deducted from your credit card credit account.

2. Hua Xia Bank

Hua Xia Bank is the first bank in the country to implement the credit card deduction function for ETC business, allowing customers to truly experience the convenience of "passing first and paying later". The credit card has the longest The repayment period can be up to 56 days, and customers who are bound to a credit card can unfreeze 600 yuan of frozen funds in their debit card.

3. Bank of China

For Bank of China ETC credit card deductions, Sutong Company sends the deduction information of Sutong Card to Bank of China on a daily basis, and Bank of China binds it to Sutong Card. Debit the specified credit card account and notify the customer via text message.

How to charge for opening an ETC credit card on the expressway?

On highways where ETC is opened, the fees that need to be collected are directly deducted from the debit card or credit card.

As soon as the car passes the toll station, the system will deduct the money immediately. ETC credit cards are charged first and then deducted. They are settled once a month. The ETC center makes unified settlement and then deducts it from the bank credit card account. After waiting for the credit card statement, you can repay as normal.

Extended information:

The deduction time of Bank of China etc is not fixed and is affected by the high-speed traffic conditions of etc car owners. However, under normal circumstances, it takes about 3 days to complete the toll deduction for highways within the province, while it takes about 5 days for highways outside the province. The specific time will be subject to the actual deduction time of Bank of China etc.

For ETC credit cards, due to the overdraft function, the bank will calculate the deduction details once a day. Users only need to pay off the credit card bill on time on the repayment date. When using ETC debit cards, fees are generally deducted on a periodic basis, and the efficiency of ETC deductions varies in different regions.

Notes:

1. Due to insufficient balance of the ETC stored-value card, it may be included in the ETC blacklist and cannot pass the national highway. It only needs to be removed 24 hours after the ETC recharge. Those who evade tolls and are included in the ETC blacklist will not be able to travel on national expressways, and will be charged based on the longest distance along the entire expressway.

2. If the points deduction fails due to ETC equipment failure, you can bring the ETC equipment to an ETC service outlet or highway service hall for testing. Non-human damage can be reactivated or replaced.

3. In order to ensure the normal deduction of ETC equipment, it should be avoided in places with strong magnetism and moisture. In addition, the ETC electronic tag should be charged regularly when it is not used frequently to avoid affecting the service life of the internal battery of the ETC equipment.

When traveling on a highway, first use the industry debit card in the ETC credit card to record the account, and then the local highway settlement center will send the data to the bank for deduction, so the deduction time and the passing time may be inconsistent. In some cases, these two are running on high speeds, and the deductions may be made every two to three days or a week, and then the deductions will be concentrated.

It is recommended that every once in a while, you can bring your credit card and ID card to a CCB outlet to print out the access details. The details show the name of the entry and exit site, time, billing amount and our bank's deduction time, so that you can check it. .

For the etc credit card issued by China Construction Bank, the method of debiting the account first and then settling the account when passing the highway is generally used. When you use the card to go to the highway toll station, the toll will be deducted from the etc credit card main account, and there is no need to recharge in advance.

Deduction time: Generally, the highway management department will submit the toll details of the previous day to CCB every day, and CCB will deduct the toll on the same day based on the details (it will be postponed in case of holidays). If the deduction fails, additional deductions will be made later. Therefore, the date shown on the CCB bill may not match the actual travel date, which may generally be 1-2 days later.

How to charge credit card (debit card) ETC?

After the ETC card is bound to a credit card (debit card), the expressway toll will not be deducted on the same day. Generally, the system will automatically deduct it from the credit card (debit card) limit after 1-2 days. After the deducted amount is recorded in your account, you can repay it on the repayment date. This deduction model is similar to credit card (debit card) consumption, but does not require a credit card (debit card) password.

In addition, after the ETC credit card (debit card) debits money, the user can generally receive a text message reminder. Failure to receive the text message may be due to the delay in deducting the money in time.

That’s it for the introduction of how to charge credit cards etc.