"We have received an urgent notice from the credit card organization that your credit card with the suffix XXXX is suspected of leaking account information and there is a risk of theft. If you don't just pay the card replacement fee, your account may suffer theft in the future ... ". Subsequently, the author received two 955XX customer service hotlines, saying that this credit card associated with ETC high-speed payment was suspected to have been stolen by a small amount, and the "high-speed" expenditure was frequently recorded in the past year.

Because of this short message and two customer service calls, and because the ETC card was stolen remotely at the 3 15 party, as a bank employee, I began to feel uneasy and agreed that the customer service should stop paying the original credit card and mail it by changing the card. But afterwards, it was found that: 1, the credit card was not loaded on the ETC device; This credit card has no flash payment function. 3. There are many high-speed consumption records, so it is impossible to match the travel date and destination.

At present, the ETC record of credit card bills only shows "high speed", so it is a bit difficult to check the travel trajectory afterwards.

Due to the sincere tone of 955XX official text messages and telephone calls, the situation is "serious", which is related to the safety of using the card and the loss of money. Out of panic and caution, the author followed the advice of 955XX, stopped paying first, then changed the card, and then went to the counter to update the ETC credit card information. Because it takes time to send business card printing and update cards, it took about three weeks, and finally the ETC equipment was re-enabled.

During this period, the author went to Hangzhou Expressway to take the manual toll channel, which greatly felt the inconvenience of not having ETC. Looking at the 0.3-second traffic speed of the ETC channel next to me, I followed many trucks and drove slowly, which not only wasted gas money, but also affected my travel mood. It is really necessary to vigorously promote ETC green travel.

Through this incident, the case enlightens and suggests: First, the bank ETC credit card bill needs to be improved to improve the user experience. At present, the credit card bill is only marked with "high speed" and the date is three working days after the travel date. For users who travel on the road at high speed or a credit card is associated with multiple cars, the current bill record information is too simple to grasp the driving trajectory. It is best to mark the high-speed entrances and exits, such as "Ke Qiao-Hangzhou North". Of course, my colleague suggested that I call the ETC service, but I tried to call anyone.

Second, if the above suggestions cannot be adopted, it is suggested that banks should ask users to pay attention to ETC official WeChat when installing ETC devices for users, and bind users through ID numbers, so that they can query traffic records, further enhance user experience and clearly understand consumption. When vigorously promoting ETC usage scenarios, the user experience should actually be improved.

Thirdly, it is suggested that when credit card organizations and banks issue credit card theft warnings, especially the official customer service of banks should first remind users to check ETC official WeChat travel records and match the travel date of bills, instead of simply suggesting changing cards, causing users to wait to update ETC credit cards.