Not necessarily. According to official website, the etc Networking Management Committee, banks don't have to use credit cards to handle ETC, but debit cards can also be used. However, if it is a debit card, it is necessary to ensure that there is a deposit in the account, and the specific deposit amount is subject to bank regulations. Etc is a non-stop electronic toll collection system, which communicates with the microwave antenna on etc lane through the electronic tag installed on the car, and completes the settlement through the computer networking with the bank, and can easily pay the toll without stopping.