As long as you apply for the ETC card through the bank, you can overdraw.

Because this ETC card is essentially a two-in-one card. In other words, it is the combination of bank card and high-speed payment card. When in use, a certain amount is overdrawn from ETC through the self-service terminal, and then transferred to the expressway payment card.

2. Is it ok as long as you have a car?

You can have a car or not.

There is not much difference between handling ETC cards and ordinary bank cards. After the ETC card is activated, if you want to use it normally at the expressway toll station, you need to go to the ETC card processing point of the expressway management office to get OBU. When you get the OBU, you need to use the vehicle's driving license to input the vehicle information. If you don't need the highway toll collection function for the time being, you don't need to get OBU.