First of all, before the ETC outbreak, the top ten banks’ ETC processing services in 2018.
Currently, various banks are vigorously promoting ETC credit cards. If you have not applied for one before, if you open an ETC credit card now, you will not only get the equipment for free, but the bank's card acceptance rate is also very high.
At present, almost all banks offer free equipment when applying for ETC credit cards, and at least 50% off on highway tolls. Some banks have even higher discounts, such as 10% off, 20% off, and Hengfeng Bank even offers 5% off in the first three months. discount, the discount can be said to be very large.
There are many types of ETC credit cards, which mainly depend on the specific needs of car owners.
For car owners who often travel on highways across the country, they can give priority to ETC credit cards with the largest discounts on highway fees. It would be even better if there is cash back for gas. Currently, Hengfeng Bank is the first 3 50% off the monthly highway fee and 20% off for 4-6 months, which is more suitable for car owners who often travel on the highway.
For car owners who often travel on highways in the province, they can give priority to ETC credit cards from local banks. Generally, ETC credit cards from local banks have large discounts on highway fees, almost 50% to 20% off. During the period, there are also gas rebates, free car washes, etc., so car owners who do not often go out of the province can focus on the provincial highway toll discounts and choose which bank's card to apply for.
There are currently two types of ETC credit cards. One is two cards in one, that is, the credit card and ETC card are the same card, which can be used for both accounting and settlement. Although it is convenient, there is a risk of fraud. Another method is to separate the two cards. After the ETC card and the bank card are bound, the ETC card is used for accounting and the bank card is used for settlement. It is safer and there is no risk of fraud.
Therefore, it is recommended that you choose an ETC credit card in the "two-card separation" mode. If you have already applied for a two-card-in-one car owner, you can turn off the Quick Pass function in the mobile APP to avoid theft. brush.
Each bank has different preferential policies, but Xiaoka recommends that when handling ETC business, you should also pay attention to the bank's preferential policies, and not just look at discounts, such as whether there are "limits" in preferential policies, “Cap”, “period”, etc. must be clearly understood.
Nowadays, ETC cards do not require parking for high-speed travel, and they have the characteristics of "pass first, pay later", which is very popular among car owners! However, for us ordinary car owners, while enjoying convenience and speed, we should also fully consider the safety of our funds!
Agricultural Bank of China, Bank of Communications, and Postal Savings Bank of China all have similar ETC integrated cards. It is both an ETC pass card and a credit card that can be used for overdraft consumption. It has very powerful functions! However, its shortcomings are also obvious!
Special reminder: If you have already applied for this kind of ETC credit card, you can go to the bank branch to turn off the password-free payment function!
Compared with an integrated card, I think it is safer and more convenient to separate the two cards! At present, there are also high-speed pass cards issued by ICBC, Bank of China, and China Construction Bank, all of which support the separation of TC cards and credit cards!
ETC card (pass card) is only used for high-speed transportation. It does not have the function of financial payment and cannot be recognized by other systems (or devices). There is no possibility of being stolen or swiped! The toll fees generated by the ETC card will be deducted through the bound bank card (usually delayed by 1 to 3 days).
As for which bank to choose for ETC business, I personally think that any of the six major state-owned banks can be used. They have many branches and similar services. The key is to compare which bank's preferential activities are more "awesome" "That's it!" However, bank ETC promotion activities are not exactly the same in various regions! You have to compare them with each other!
Strictly speaking, there is only one type of ETC card. It's just that different departments issue cards. One is issued by the four major banks of industry, agriculture, construction, China and China Guangfa Bank. The other is a card issued by SpeedTong. The name of ETC may be different in each province, but the functions are the same. This is also the only choice for ordinary car owners. The ETC card marketed by banks is bound to a bank credit card and is a special speed account specially used for high-speed charging. It is different from the credit cards used for credit and consumption issued by banks in the past.
According to relevant information disclosure, starting next year, the national highway tolling reform will be implemented, and ETC tolling will be fully implemented on highways.
This is probably a mandatory requirement. Therefore, car owners who have not installed ETC are advised not to install it yet. It is not too late to wait for the national policy to be released next year before installing it.
I installed ETC using Lutong Card A, which is a Long Card credit card, and it feels very useful.
I have been using Lutong Card A for four years. When I bought a car four years ago, I applied for car installment from China Construction Bank. I also applied for ETC and applied for Lutong Card A. Whenever I drive on the expressway and see the ETC lanes running smoothly and the artificial lanes lined with long queues, I wonder why so many cars are not equipped with ETC? As the country introduces high-speed traffic policies, starting from next year, all highways will be converted to ETC lanes, leaving only one artificial lane. Moreover, in the future, ETC will be used to enter and exit the parking lot. It can be said that without ETC, cars will be unable to move. It is imperative to install ETC. Each bank seizes this opportunity to vigorously market ETC and seize car-owning customers to bind their bank cards to make them become our bank's long-term cooperative customers. Therefore, various banks compete fiercely and ETC competes Entering a fever pitch.
When I installed ETC four years ago, I applied for Lutong Card A, which was bound to a debit card for automatic deduction. When traveling on the expressway, the toll fee is equivalent to a credit card consumption, and it is automatically repaid after the payment is made, which is quite convenient. However, compared with the ETC Lutong card currently marketed by China Construction Bank, it has two disadvantages: My Lutong Credit Card A needs to be inserted into the OBU device when traveling on the expressway, and it needs to be carried at all times for daily consumption. Sometimes I forget to take out the card after getting off the expressway. I can't find the card when making a purchase, only to find that it is still in the car. At present, the Lutong card and OBU equipment marketed by China Construction Bank are installed together and do not need to be unplugged. Just carry the linked credit card with you. Second, in the past, Lutong cards that were bound to ETC were generally valid for three years. After expiration, when passing through the expressway ETC lane, it showed that the equipment was invalid and unable to pass. Later, I went to the bank to apply for an extension for ten years. The ETC equipment and Lutong cards currently marketed by China Construction Bank are valid for a long time and are no longer subject to time limits. As long as the car is not replaced, the equipment will generally not be damaged and can be used for a long time.
Nowadays, private cars are popular, and white-collar workers who have just worked for two years have to buy a car of their own. After having a car, they inevitably drive it for outings and errands. Taking the expressway is inevitable. Nowadays, using ETC to pay tolls on expressways is a very convenient way. Most car owners choose bank ETC credit cards to apply for ETC. So which bank's ETC credit card is more worth applying for in 2018?
First, let’s take a look at the benefits of applying for an ETC credit card?
1. Applying for ETC can shorten the travel time at high-speed toll stations. We don’t have to queue up for parking, and we don’t need to worry about whether we have cash on hand. We can pay by credit card first and then pay it back, and we don’t need to open the car window to breathe in car exhaust. , and there is no need to worry about the possible bad looks from the cashier, just drive directly through the toll booth.
2. In addition, applying for an ETC credit card can reduce the cost of transportation. In order to occupy the ETC payment market and get a share of high-speed charges, banks and OBU payment institutions will provide certain discounts and subsidies to users who use ETC. In order to seize users, different banks or provinces offer different discounts and offers, ranging from about 5% to 15%.
3. Applying for an ETC credit card can be a stepping stone, making it easier to apply for other credit cards. Sometimes you hold too many cards and other banks no longer approve your card application. Then you can apply for the bank's ETC credit card first, and then apply for other credit cards from the bank after it is approved. Although it is possible to apply for an ETC credit card with a very low limit, the probability of approval is high and it is easier to apply for than an ordinary credit card. If you apply for other credit cards at this time, your chances of approval will be greatly increased. This method is most obvious on the four major lines.
Which bank’s ETC credit card is more worth applying for in 2018
Agricultural Bank of China ETC credit card, as low as 10% off on highways nationwide!
By the end of 2018, Agricultural Bank of China ETC credit card customers can register and log in to Agricultural Bank of China mobile banking, and can use 1,000 points to receive ETC toll monthly passes, and enjoy up to a 10% discount on the ETC toll fee for that month from the time of collection. Discount (discount limit set per month).
This needs to be exchanged for points, but the value of 1,000 points is only about 2 yuan.
If you spend 300 yuan on highways in a month, you save 30 yuan, which is 13 yuan more than other cards that do not require points (most of which offer 50% discounts). Of course, if you travel more highways, it will be more cost-effective. In addition, if you use the Agricultural Bank of China ETC credit card, as long as the card consumption reaches the standard, you can enjoy a 1 yuan car wash service.
Ping An Car Owners Card can enjoy free roadside assistance, and bind ETC to enjoy a 50% discount on highways!
Although the Ping An Car Owner Card only offers a 50% discount on highways, this card can enjoy unlimited free roadside assistance, such as towing services and emergency repair services, and unlimited towing mileage in the same city (up to 100 kilometers across cities) , the rescue vehicle will set off within 10 minutes, and emergency repair services (fuel delivery
20% off on high-speed tolls for Guangfa Express Card in Beijing area!
This is a co-branded credit card of China Guangfa Bank, including a credit card (excluding industry applications) and a speed charge card (including industry applications). The discounts are real, no matter what day of the week, You can enjoy 20% off on highway tolls, making it a must-have card for car owners in Beijing.
15% off on expressway fares for GF Yuetong Card and GF Sutong Card in Guangdong and Jiangsu!
This card can enjoy a 15% discount on tolls on weekends and holidays, 1% cash rebate for refueling when swiping the card, and free roadside assistance and driver's accident insurance.
ETC credit cards mainly provide discounts on highway fees. The lowest one can be 20% off. If there is cash back for gas, that is better. For car owners who often take highways, then choose highways first. ETC credit card with the largest fee discount, plus a car owner card to get refueling privileges. For car owners who occasionally drive on the expressway, a comprehensive car owner card is more suitable for you.
Speaking of ETC, everyone should be familiar with it. First, let me update you on the current situation of ETC credit cards!
There is currently a national policy that supports one ETC card per person, and it is already the best card to buy during this period!
In order to respond to the call of relevant departments, major banks have been crazy about promoting ETC, and they have even gone so far as to have ETC tasks in Hainan. It is incredible (because Hainan does not collect highway tolls). It can be seen that the tasks The amount is huge, the pressure is heavy, and the execution ability is strong after receiving instructions from relevant departments!