You can apply for ETC without a credit card, and you can apply with a savings card. The working principle of ETC: it communicates with the microwave antenna in ETC lane of toll station through the vehicle electronic tag installed on the windshield of the vehicle, and makes settlement with the bank in the background by using computer networking technology, so that when the vehicle passes through the toll station of expressway or bridge, it can pay the toll of expressway or bridge without stopping. Advantages of installing ETC: saving time: eliminating the trouble of waiting in line; Green, environmental protection: low carbon, vehicles passing through toll stations without stopping, which can reduce noise and exhaust emissions and pollution; Loss reduction: save costs, reduce the frequency of vehicle starting and braking, reduce wear and fuel consumption, and users can enjoy 9.5% toll concession; Improve efficiency: Theoretically, the efficiency of ETC can be improved by more than 2-3 times, making the traditional ETC newer, faster and more high-tech.