conclusion: you can handle ETC without a credit card. Taking Suzhou as an example, individual customers can easily handle it through the CCB system of Suzhou Branch. First of all, bring my valid ID and vehicle driving license to any CCB outlet and apply for Sutong Dragon Card. After receiving the card, you need to go to the bank again, prepare Sutong Dragon Card, identity documents, driving license (used cars also need to provide car purchase invoices and motor vehicle registration certificates), and the compulsory insurance policy within the validity period, sign a contract and open ETC services. After signing the contract, you can install OBU at the customer service outlets of Sutong Company or one-stop outlets of CCB with Sutong Dragon Card.

in terms of fees, as of October 219, CCB has provided free OBU equipment services, and there is no need to pay additional equipment fees around 2 yuan. However, because the bank bears the expenses of OBU, it needs to sign a three-year service agreement when handling it, and the customer needs to bear the equipment expenses of OBU when canceling the contract. Therefore, before deciding to handle it, please ensure that the relevant service period requirements are met.

The above information comes from the official guide of Suzhou Branch of China Construction Bank, which provides clear handling procedures and cost explanations for individual customers.