Nowadays, more and more people buy cars. Which bank is better for etc to go to, so the demand for ETC cards is increasing. Many people think of buying a car first, and some people often run high-speed. At this time, it is much more convenient to get on and off the bus with ETC card. So which banks can handle ETC cards? Let's find out.
Which banks can handle ETC cards?
Banks in the market can handle ETC cards, such as Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, China Bank, Postal Bank and Guangfa Bank. These cards have similar functions, but the preferential strength is somewhat different.
For example, the ETC equipment of China Construction Bank can be given away when handling ETC cards, and there are convenient services for on-site installation. ICBC's Peony Smooth Card is not only suitable for ETC, but also a joint credit card, and can enjoy supporting services such as on-site illegal handling and high-speed non-stop charging. The ETC card of everbright bank is a combination of deposit and loan, which has both savings and credit card functions.
If the ETC card you handle is not a credit card, you can choose to bind a bank card or a credit card when binding the card. If the ETC card you handle belongs to a credit card, you don't need to bind the bank card, just deduct money from the credit card and repay it on time on the repayment date every month.
How many cars can I use with an ETC card?
An etc card can only be used by one car and cannot be exchanged. If you want to change the ETC card after changing the car, you can only cancel the original ETC first, then reapply, and remember to return the deduction amount every month, otherwise the credit card will be considered overdue. If you want to apply for an ETC card, you can consult online, by phone, or at the counter of a nearby bank business hall.
Which is better to apply for ETC bank card?
The Etc of ICBC, Postal Savings Bank, China Merchants Bank and China Construction Bank are better, but they should be chosen according to their actual needs.
With the progress of the times, the traffic in China is also improving rapidly. As early as several decades ago, all the expressways in China were single-handed, and tolls could only be paid manually.
But it's different now. The number of expressways in China is increasing every year. Not only that, but also the payment method has changed a lot. For example, in the etc payment channel implemented in recent years, drivers can get on and off the expressway only by taking the prescribed etc import and export.
It is precisely because of this that major banks are scrambling to handle etc business.
1, Industrial and Commercial Bank of China
ICBC is the dominant player in the ETC market at present, and the preferential activities are still very close to the people.
① Pass discount: the toll will be reduced to 10% discount until the end of 20 19, and then there will be a 15% discount.
② Payment discount: You can enjoy the preferential activities of random reduction if you buy a variety of products on ICBC e Life Platform.
③ Gift of equipment: one OBU vehicle-mounted equipment will be given free of charge after handling.
④ Special offer for new customers: new users who participate in the activities and meet the standards can get a redemption opportunity for ICBC e-Life.
⑤ Refueling and full reduction: ICBC credit card can enjoy 99% reduction of 20 yuan for automobile supplies and 200% reduction of 20 yuan for fuel card when it is bound in Suning.cn "Love to Buy ETC Zone".
⑥ Cash back for consumption: the designated credit card can enjoy 1% cash back for every consumption at home and abroad.
2. China Construction Bank
If ICBC is the champion of ETC industry, CCB is the second child to pursue it. Preferential activities also have their own characteristics.
① Pass discount: Enjoy a 15% discount and get a 50% discount coupon.
② Free road rescue: You can enjoy free road rescue service three times a year, including tire changing and trailer service.
③ Car wash service: you can wash your car at the merchant designated by CCB with a monthly consumption, and enjoy the highest preferential price of 10 yuan.
④ Full refueling and less refueling: Pay through the "mobile phone refueling" function in the "Car E Home" APP, and enjoy the discount of 100 yuan for the first recharge.
⑤ Annual inspection of vehicles: 20 yuan annual inspection online, and free door-to-door annual inspection offline.
3. Postal Savings Bank
As one of the four state-owned banks, it has the reputation of "the fifth largest bank in China". Such a glorious image, preferential activities naturally make consumers tempted.
① 20% discount on weekend expressway. Postal Savings Bank ETC credit card users who spend three times in 99 yuan in a month can get a 20% discount on the highest 50 yuan.
② The shopping discount of Baiguang Department Store is reduced by 500 100.
③ Car wash service in 9 yuan.
④ If you refuel 500, you will get 50, with the highest monthly discount 100 yuan.
⑤ Free car inspection.
4. Agricultural Bank of China
As an important part of China's financial system, can preferential activities be good? I want to be poor, but my strength doesn't allow it.
① The national charge is 10% off. , also launched a 50% discount monthly ticket.
② Points can be exchanged for cash in Meituan and other apps, or for gifts in integral mall.
③ National free road rescue.
(4) Sinopec will send it when it is filled with gas 120.
⑤ One yuan car wash service.
5. China Merchants Bank
Joint-stock commercial banks have been ranked among the top 500 banks in the world for seven consecutive years, and they are also the fifth largest banks in China.
① Up to 8% cashback can be enjoyed.
② Preferential car wash service.
③ Designated parking lots can receive 0-30 yuan coupons.
④ Free national highway rescue.
6. Central Bank
The big brother of state-owned banks, the most international and diversified representative banks. This is the only bank in China that has been operating continuously for more than 100 years, and has launched various ETC preferential activities.
① New credit card customers sign up for mobile banking, and 1 yuan grabs 30 yuan coupons.
Buy one get one free tickets for 8 ski resorts.
③ Bus 1 min.
④ Six Seg delicacies "50 yuan bought 100 yuan coupons".
⑤ Mobile banking pays for refueling in the United States, from 200 to 20.
⑥ Buy one get one free ticket for the seven hot springs.
⑦/kloc-More than 0/00 cinemas buy tickets in 8 yuan.
Today Sichuan hot pot "50 yuan buy 100 yuan coupon".
Pet-name ruby Changxing Expressway charges a 15% discount.
Attending new customers pay 99, and quick payment gets 50.
7. Guangfa Bank
This commercial bank, founded in Guangzhou, has also developed rapidly in recent years, and it can be said that it has occupied a dominant position in the credit card market. In the battle for cakes such as ETC, Guangfa Bank naturally threw out its own olive branch.
① Refueling has a chance to get 1% cashback.
(2) If the consumption in the current month is over 3,000 yuan, the toll discount will become 20% next month.
③ Every time you swipe your card, you will get a 100 yuan gas coupon and a 30% discount gift.
If it is a card type such as Yuetong Card and Liaotong Card, you can also enjoy a 15% discount on holidays and weekends.
⑤ Free road rescue.
6. The driver's accident insurance rights will be sent as soon as the card is issued.
8. Bank of Communications
Bank of Communications, founded in 1908, has gone through a century of mileage. History cannot eliminate an enterprising enterprise. In the ETC market, the preferential activities of Bank of Communications are also worth looking forward to.
① There is a chance to get a168,208 yuan toll ticket, and the number is limited.
② Users who meet the requirements of "Red Star Festival 5" can enjoy a 15% discount on refueling and a 15% discount on shopping.
③ There are 78 cooperative food business districts in the province, allowing you to enjoy a 50% discount price.
④ Platinum card users can have six drunk driving services every year and enjoy six extraordinary experiences in the VIP room of Longteng Airport.
⑤ If you are a debit card user, you can also get a voucher gift package from 500 yuan.
After reading the above eight mainstream ETC banks, I don't know if the car owners have a choice. In fact, preferential activities are only the most direct way to attract consumers. Many times, promises can't be fulfilled, or the conditions of fulfillment are annoying.
In which bank should etc be handled?
Banks such as Agricultural Bank, Industrial and Commercial Bank of China, China Construction Bank, Guangfa Bank and China Bank can apply for etc cards, with similar functions, but different preferential strength.
Take agricultural bank ETC credit card as an example. Agricultural Bank of China ETC owner credit card can realize electronic payment in MTC parking passage and ETC non-parking passage of expressways in networked provinces and cities across the country. The card adopts the method of "first pass, then pay", and the toll is automatically deducted from the ETC credit card of the Agricultural Bank of China, without pre-existing cash. Holding the ETC credit card of the Agricultural Bank of China, you can enjoy a 10% discount on the exclusive highway toll when the provinces and cities have been networked nationwide.
Credit card application:
Credit card application is comprehensively evaluated by the system, and there are many reference factors, such as work, income, stability, personal credit, etc., which are not determined by unilateral factors. Perhaps the information attached to your application did not fully show your personal situation, which led to the failure of your application. In addition, the domestic personal credit information system is not perfect, and all banks will pass the internal evaluation when reviewing credit cards, and the standard setting will be different. Because the credit standard and scoring standard are confidential within the bank, the risk-related factors cannot be announced to the public, which you can understand. You can call 800-820-5555 to request re-inspection. I hope you can provide us with more reference materials. If you don't want to attach more information at present, you can reapply 6 months after the first application.
The most important conditions for applying for China Merchants Bank credit card are: 18-60 years old or above, with a stable job and income. The necessary application documents are copies of your identity certificate and work certificate. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and judge the credit limit. Detailed application materials are as follows:
1, identification: generally, it is an ID card, and soldiers need to provide a copy of their military ID cards;
2. Work certificate: it can be the original work certificate issued by the employer, or a copy of the work permit verified and marked by the sponsor;
3. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, deposits and investments, and other materials that can prove your economic level. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc.
Under normal circumstances, the fixed amount of Puka is 1 1,000 yuan-1 1,000 yuan, and the fixed amount of Gold Card is 1 1,000 yuan-50,000 yuan. The specific amount shall be subject to the audit results.