E-Express is a micro-credit loan provided by China Construction Bank for installing ETC equipment and binding personal debit account of China Construction Bank. Meet certain conditions and limit the payment of ETC tolls and parking fees. The maximum amount is 500 yuan, and the amount can be recycled.
If users want to open the American Express E-Pass, they can open the American Express E-Pass when applying for an ETC-bound debit account through WeChat applet ETC Zhixing, mobile banking, Dragon Payment APP, STM smart teller machine and other channels. After the user opens the express e-pass, the ETC toll will be deducted from the bound account first.
When the balance of the bound account is insufficient, it will be paid by AutoExpress and interest will be generated, and the interest will be calculated on a daily basis. Two repayment dates are fixed every month, namely the signing date and the corresponding 15 day after signing. If users don't want to repay automatically, they can also repay manually, and users can take the initiative to repay by applying for the opening of the express-toll channel.
Users need to repay all the current principal and interest on the repayment date, and overdue repayment will affect users' personal credit information. After express delivery of electronic bills, mobile phones bound by repayment and overdue will receive SMS reminders.