The first question: It depends on what card was bound or opened when you applied for ETC. However, there will be no automatic deduction of other cards because you did not provide it when applying for ETC. Now there is another way, such as ICBC's ETC. To bind other bank's cards, you need to open something called E wallet. This is actually a type three virtual card of ICBC. You need to deposit money from other airline cards into this E wallet (virtual Card) Then the debit system cannot bypass this E-wallet and directly deduct your card from another bank. You don’t have the permission to deduct from other banks

The second one is whether you can change the account. Now basically most devices can be changed. Payment card, but whether you can bind a credit card depends on the device. You'd better consult the issuer's customer service