At present, China Bank, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank, Huaxia Bank, Ping An Bank, China Everbright Bank and Beijing Rural Commercial Bank all have etc Express cards, among which the etc Express cards of China Bank, Industrial and Commercial Bank of China, China Construction Bank, Ping An Bank and Beijing Rural Commercial Bank are credit cards, while the etc Express cards of Agricultural Bank, China Everbright Bank and Huaxia Bank are debit cards. After the applicant handles the etc Express card in the bank, he can withhold and remit it as long as he binds the corresponding debit card or credit card.