A few days ago, I took a friend’s car to Jining. When I got on the expressway, his etc card could not be lifted. Although there was still 75 yuan in the card, it showed that it had expired. His card was a recharge card. , it was applied earlier, from the expressway service center, and now there are fewer and fewer stored-value cards.

Stored value cards are mainly ETC cards issued by early expressways. They are similar to membership cards in shopping malls. They need to be recharged before consumption. If the money in the card is spent, deductions will not be made. It is impossible to pass the highway.

In addition, stored-value cards also have validity periods, just like my friend's etc. He was unable to use the expressway for a long time because it expired, and he didn't know it. Although there was money in the card, he still couldn't use etc. to get on the road.

If you go to apply for etc. now, it is best to apply for a charge card. The so-called debit card, as the name suggests, is to debit the account first and then pay the money when passing the highway. This kind of debit card cannot be used alone and needs to be bound to your own bank card. It can be bound to either a credit card or a savings card.

The etc I apply for is a debit card, and the one I bind is a savings card. Why do I bind a savings card? At that time, I mainly considered the reasons.

1. The bills can be checked more clearly

I usually use credit cards for my purchases, so I have a lot of credit card bills every month. If I have any questions, it is very troublesome to check, but my debit card is very Use it less for consumption, mainly for deductions, etc., so it will be clearer to check the account after binding the savings card.

2. ETC debit card charges will be delayed

If it is a stored-value card, expressway ETC will deduct charges immediately, but debit cards are often delayed for about 7 to 10 days. Therefore, many people sometimes feel confused when receiving etc. deduction information. If they take the expressway frequently, it is easy to not remember what happened.

Recently, it was reported online that some people’s etc deductions are inaccurate, and it is easier to check by binding a debit card. For example, Mr. Xiang from Sichuan went home to visit tombs during the Qingming Festival. The original fee of 220 yuan was deducted by more than 770 yuan. If it is delayed for a period of time and mixed with a credit card, it will be more troublesome to check.

Ms. Fu from Xi'an also encountered a problem. Before going to bed, she received an etc. deduction message, but it showed that she entered the highway in 1906 and exited the highway in 2019. Although the fee was not high, this trip The highway has been running for 113 years, which makes people a little worried.

Therefore, while debit cards are convenient, they also have some minor problems, that is, the highway toll collection system must be accurate, otherwise it is easy for people to feel uneasy. If the fee is overcharged, we How to safeguard rights?

It is hoped that the highway etc system will be reformed as soon as possible, and it is best to be able to realize real-time deduction of charge cards. Even if there is a delay, it is best not to exceed two hours, so that everyone will feel more confident when using it.

Finally, let me tell you a practical little method. Download a highway e-pass software. As long as you have applied for etc., you can use this software to check your bill. If there are any problems, you can find them in advance. .

Let’s talk about this seriously. Although the ETC debit card and savings card have similar names, like “sisters”, in fact the difference between the two is quite big!

The biggest feature of the ETC savings card is "recharge first, then spend".

Deposit cards do not have an overdraft function. You must ensure that there is a certain balance in the savings card account before you can travel on and off the expressway normally. Once the balance is insufficient (or the balance is 0), it will not be used!

Because of this, when applying for an ETC savings card, banks often freeze part of the funds in advance (500 yuan or 800 yuan or others).

Avoid the situation where users forget to deposit money and cannot use ETC normally!

In addition, there is another point, the ETC savings card is just a debit account, there is no overdraft consumption, and naturally there is no need to bind a fixed vehicle! An ETC savings card can be used on different vehicles!

At present, almost all the ETCs we go to banks to handle fall into this category!

A charge card, as the name suggests, is equivalent to a credit card. It can be overdrafted, but it must be bound to a fixed vehicle in advance! In comparison, ETC debit cards have the following major characteristics:

More and more people have applied for ETC, and ETC cards are divided into stored value cards and debit cards. , what is the difference between these two cards? Which one do we choose? Let’s talk about it in detail below.

The ETC debit card is a credit card, which can be used for overdraft consumption. It adopts the method of passing first and paying later. The ETC debit card is bound with user information and vehicle information, and adopts a real-name system. Each vehicle corresponds to an ETC debit card. The main card can be used as an ordinary credit card, and the secondary card can be directly inserted into the ETC device.

In addition to different consumption methods, ETC debit cards need to pay an annual fee because they are credit cards. For example, the Agricultural Bank of China’s ETC credit card has an annual fee of 160 per year, and the card must be swiped 5 times. The annual fee for the following year can be waived.

ETC stored-value card is the debit card we use daily. It does not have an overdraft function and requires a pre-paid fee to be used. When a vehicle passes through the ETC lane, the expressway toll is deducted directly from the card. If the balance is insufficient, the ETC equipment will become invalid and the ETC lane cannot be used.

ETC stored-value cards can be applied for by individuals, companies, and non-car owners. ETC charge cards can only be applied for by car owners.

The ETC debit card can be overdrafted, which is equivalent to a credit card. You consume first and then repay, and there is an annual fee. After the number of purchases per year reaches the rated number, the annual fee for the second year is waived; the ETC stored-value card needs to be pre-stored. When the amount is insufficient, ETC will become invalid immediately.

In short, the country is vigorously promoting ETC. Currently, applying for ETC can waive the cost of OBU equipment. After January 1, 2020, users may need to spend more than 300 yuan to purchase OBU equipment, and there is a 50% discount on high-speed tolls. offers.

As my country's high-speed ETC continues to improve, the Ministry of Transport has clearly stated that it will ensure that the ETC usage rate reaches more than 90% by the end of 2019. More and more people are starting to apply for ETC cards, and many of them are not sure what ETC debit cards are. I don’t understand what it means, and I don’t know which one is better, ETC debit card or stored-value card. Some experienced drivers who applied for ETC debit card also regretted it and told the following truth.

What is ETC

High-speed ETC (Electronic Toll Collection) is literally translated as electronic highway toll collection, which is what we often call the non-stop toll collection system. There are one or more ETC lanes. Through dedicated short-range microwave communication between the ETC electronic tag installed on the front windshield and the microwave antenna above the ETC lane of the toll station, computer networking technology is used to settle with the bank backend to reach the vehicle. There is no parking fee for passing through road bridges. The ETC card on the ETC device is also a bank card, which is currently divided into three categories:

1. ETC debit card

There is no need to charge when passing through the highway toll station. , the computer will display and record the traffic status, and the system will automatically deduct the corresponding fees from the bank account authorized by the user in batches. There is no need to recharge and repayment is required on a monthly basis. Each time you use it, you will pay an additional 1% handling fee. The difference between ETC debit card and stored-value card is that ETC debit card can only be processed by car owners, while ETC stored-value card holders can be individuals, companies, or car owners.

2. ETC stored-value card (debit card)

This is what we often call B card. This ETC card does not have the overdraft consumption function and requires a pre-deposit fee (deposit). ). When the balance of the ETC stored-value card is insufficient, it cannot pass through the ETC lane and may be included in the ETC blacklist.

3. ETC Credit Card

Usually this kind of ETC credit card co-branded pass card is issued in cooperation with banks and other financial institutions. It combines the credit card financial function and the pass card CPU dual-interface smart chip function. In one, it is equivalent to a pass card when used at highway toll stations, and equivalent to a credit card when used in the field of financial consumption.

It is not very important to understand this difference, because according to the regulations of relevant departments, ETC stored-value cards will become invalid starting from January 1, 2020.

ETC (Electronic Toll Collection) is a non-stop electronic toll collection system. ETC dedicated lanes are used by vehicles equipped with ETC on-board devices and adopt electronic toll collection. The ETC non-stop toll collection system is currently the most advanced toll collection system in the world. Passing vehicles can collect tolls without stopping.

In the future, private cars without ETC on domestic highways will probably no longer be able to use them. But for private cars without ETC, there will be a transition period when crossing the expressway. Nowadays, you can get a 15% discount on ETC tolls, which is a great benefit. There is no reason not to do it.

So now there are two types of ETC stored-value cards and ETC debit cards. There is still a big difference between these two types of cards. One is to recharge first and then consume; the other is to consume first and then pay back. The former is a bit like a city card with a transportation payment function. You can use it as much as you recharge it. If the fee is insufficient, you cannot enter the ETC channel for consumption; the latter is bound to a bank card and is used first and then deducted.

Among them, the ETC stored-value card does not have an overdraft function and requires a pre-deposited fee before it can be used. You can use as much as you deposit. When a vehicle passes through the ETC lane, the expressway toll is deducted directly from the card. If the balance is insufficient, the ETC equipment will become invalid and the ETC lane cannot be used. Last time, because I forgot to recharge, my car couldn't pass when entering the ETC channel, so I had to back out again and change lanes to pay, which was a little more troublesome.

ETC accounting is a bit like a credit card, but it is not a credit card. It adopts the method of passing first and paying later, and can be charged through the bound savings card or credit card. The ETC debit card is bound to user information and vehicle information, and adopts a real-name system. One vehicle corresponds to one ETC debit card.

According to my personal opinion, ETC debit card is more convenient than ETC stored value card, and ETC stored value card is about to enter history.

In layman’s terms, one saves money first and the other consumes it first. However, we have stopped applying for stored-value cards. I heard that the toll stations at provincial boundaries have been removed. I am afraid that some cars in other provinces have insufficient balances on their stored-value cards. Now it seems In response to the Ministry of Transport, major stations only reserve one upper and lower manual ETC mixed lane for trial operation, and the rest are all ETC! The weight exceeded the limit and refused to go on the road!

The country has vigorously promoted the installation of ETC to facilitate people's travel. Two cards have been introduced. The following will introduce the differences between the two cards.

The ETC debit card is mainly used for overdraft consumption, and the ETC savings card is required Recharge consumption, this model does not require recharge consumption. ETC "debit card" can be used as an overdraft for consumption. The ETC "stored value card" can only be used as much as there is in the card, and cannot be overdrawn.

Deposit cards need to be recharged. As long as you recharge enough balance in advance, it is very convenient to use. And sometimes there are activities that give you free equipment when you recharge, so you can save installation fees and equipment fees. Alipay ETC equipment requires fees, and ETC savings cards have more advantages in this regard.

Now basically most car owners have applied for ETC. It will be more efficient to get on the expressway, and there will no longer be long queues. However, we still need to pay attention to these details. Although it is convenient, the expressway tolls that should be paid must still be paid in time, otherwise the gains will outweigh the losses by entering the "blacklist" and "sleazebag" list.

Food, clothing, housing and transportation are things that no one can avoid. Today we will mainly talk about transportation-related issues.

Highways are no stranger to those who drive. I can’t help but think of my nervousness when I first drove on the highway. In order to avoid the problem of easy highway intersections, my country has stepped up efforts to implement the ETC charging policy. The vast majority of car owners should have changed to this charging method.

So, are you familiar with ETC’s policies? ETC is divided into stored-value cards and debit cards. What is the difference between these two cards? Will it affect your future tolls at highway intersections? Let’s take a look!

ETC is an electronic highway toll collection method. The purpose is to enable vehicles to quickly pass through toll intersections and improve transportation efficiency. Through the ETC device installed on the front windshield of the vehicle, data communication is completed with the ETC device at the highway intersection through microwaves, thereby achieving the purpose of vehicle deduction and rapid passage. The ETC charging model is significantly more efficient than the current cash or QR code payment, which is also the main reason why the country vigorously promotes it.

Well, after understanding the working principle of ETC, let’s take a look at the differences between ETC stored-value cards and debit cards.

1. What is ETC stored-value card?

ETC stored-value card is similar to our bus card and subway card. It requires a certain consumption amount to be stored in advance. . Tolls incurred when traveling on expressways will be deducted from the stored value. Then there will be two situations. If the stored value amount is greater than the fee, there will be no problem; if the stored value amount is less than the fee, it will not pass and it will easily enter the ETC blacklist.

2. What is ETC debit card?

ETC debit card is similar to our credit card, JD Baitiao and Ant Huabei, and can be bound to bank cards and credit cards. , settlement and repayment are carried out uniformly every month (the charge card must be applied for in person). Charge cards require an additional 1% fee for each completed order. This is the real reason why everyone is seizing the ETC market share.

3. ETC policy development trends

According to the guidance documents of the National Development and Reform Commission and the Ministry of Transport, various regions will gradually cancel ETC stored value cards and promote ETC debit cards. Various regions have stopped or suspended the application of ETC stored-value cards. In January next year, ETC stored-value card users in some regions will not be able to pass through the express lanes and can only pass through the manual toll lanes. For users who currently use ETC stored-value cards, they can replace their ETC charge cards for free.

I wonder if you have started using ETC debit card? Everyone is welcome to leave a message for discussion. If you like it, please pay attention.

Regarding what kind of cards to use etc., there are too many choices. Some are bank savings cards, some are credit cards, and some are charge cards from various companies, and these charge cards charge fees. When purchasing, you can also deduct it from the savings card or credit card you decided to have. The choices are diverse.

Since the highways focused on recommending etc, more and more car owners and vehicles have applied for etc on expressways, including from banks, highway management offices, and some online platforms where you can apply for tec, but There are different opinions here. There are many opinions. Some of them are to insert the bank card directly into the small box of etc., and some are to insert a charge card. What are the differences between them? It's actually very simple.

Etc’s stored-value cards and debit cards are actually equivalent to savings cards and credit cards in bank cards. Stored-value cards are to deposit money into them first, and then use them for high-speed consumption. Deducting the money directly from the card, debiting the card, is equivalent to taking the expressway first. There may be no money in the card, or the card inserted on it does not have financial functions at all, but can be used to debit accounts, and then use it after taking the expressway. Deducting money from the card you ordered is as simple as that. Of course, the card you bind can be a credit card or a savings card, which is basically very convenient.