Comments on the advantages and disadvantages of each bank's ETC

Experts see the way, while laymen see the excitement. Such thoughts are no longer suitable for the buyers below. If you want to buy a certain product, you may be deceived by the store's unique promotion plan just to join in the fun, and you will not be able to control yourself. The development of today's society requires customers to be discerning, and they will no longer be unmoved as fish on the cutting board. What are the advantages and disadvantages of ETC of each financial institution? Which financial institution’s ETC is the best to use? With these questions in mind, this article sorts out the characteristics of each financial institution, hoping to give some inspiration to car buyers who are preparing to apply for ETC.

Let’s first talk about the ETC preferential activities of various financial institutions, that is, the advantages.

1. ICBC

ICBC is currently the No. 1 leader in the ETC market, and the discounts launched may be very affordable.

① Driving discount: Expressway tolls are reduced to 10% off until the end of 2019, and there will also be a 50% discount in the future.

② Payment discount: You can enjoy any instant discounts on several products when purchasing on the ICBC e-life service platform.

③Gift of equipment: Apply for a free OBU car cutting machine and equipment.

④ New customer discount: New users who participate in the event and qualify can get a trade-in opportunity in ICBC e-Life.

⑤ Instant discount on gas: If you associate a commercial and industrial credit card in Suning’s “Igou ETC Member Zone”, you can enjoy a discount of 20 yuan on car decorative items when you spend 99 or more, and you can get a 20 yuan discount on a gas card when you spend 200 or more.

⑥Rebate on consumption: Specific bank credit cards can enjoy 1 rebate per order in countries around the world.

2. China Construction Bank

If ICBC is the overall champion in the ETC field, CCB is the second in pursuit. Discount activities also have special features.

① Driving discount: Enjoy a 9.5% discount and receive a 50% discount coupon (up to 20 yuan per month).

② Free vehicle rescue: You can enjoy free vehicle rescue services 3 times a year, including tire replacement and vehicle towing services.

③ Car wash service: With one purchase per month, you can get your car washed by a merchant designated by China Construction Bank, and enjoy a car wash discount of up to ten yuan per time.

④ Instant discount on refueling: Pay through the "Mobile Refueling" function in the "Cheezu" APP, and enjoy a discount of 100 yuan off the first recharge of 200 yuan on full gas.

⑤Vehicle annual review: Online annual review for 20 years, offline promotion is completely free to book on-site annual review.

3. Postal Bank Financial Institution

As one of the four major state-owned commercial banks, it is also known as the "fifth largest bank in China". With such a brilliant brand image, the preferential theme activities will certainly make customers excited.

①Quick 20% off discount on Sundays. Postal Bank ETC bank credit card customers can get a 20% discount on travel expenses up to 50 yuan if they make three transactions of 99 yuan in the same month.

② 100 off shopping discount for purchases over 500 at Guangbai Department Store.

③9 yuan car wash service.

④50 rebate for 500 refueling, maximum discount of 100 yuan per month.

⑤Completely free vehicle inspection.

4. Agricultural Bank of China

As an important part of my country’s financial system, can preferential activities be bad? I want to be bad, but my strength doesn’t allow it.

①10% off highway tolls across the country. (You must use _ points to grab a monthly pass, the total number is relatively limited), and a 50% off monthly pass is also released (with limited standards).

②_ Points can be exchanged for cash at apps such as Meituan Takeout, or for gifts at point shopping malls.

③Free vehicle rescue all over the country.

④Sinopec will give you RMB 120 for every RMB 1,000 refueling.

⑤ One-yuan car wash service.

5. China Merchants Bank

It has been selected into the Global 500 joint-stock cooperative banking industry for seven consecutive years and is also the fifth largest financial institution in mainland China by total market value.

① You can enjoy up to 8 gas rebates.

② Discounted car wash services.

③You can get 0-30 yuan coupons in specific underground parking lots.

④Completely free vehicle rescue all over the country.

6. Bank of China

The celebrity eldest brother of state-owned commercial banks, the most modern and diversified representative financial institution. This is also the only financial institution in my country that has been in operation for more than a hundred years, and has launched a variety of ETC preferential activities.

① New bank credit card customers sign up for mobile online banking and get 30 yuan coupons for one yuan.

②Buy one and get one free for admission to 8 ski resorts.

③1 cent to take the bus.

④ 6 SEG specialty delicacies with "50 yuan purchase 100 yuan coupons".

⑤ Use mobile online banking Baifumei to get 20 off for purchases over 200.

⑥Buy one and get one free for tickets to 7 hot springs.

⑦Buy tickets at the Jiuhenzhi Cinema for 8 yuan.

⑧4 Sichuan hot pot restaurants have "50 yuan purchase 100 yuan coupons".

⑨ 15% off on smooth expressway tolls.

⑩ New customers can get 50 free for every 99 they spend with the quick payment function.

7. Guangdong Development Bank

This banking industry developed in Guangzhou has also developed rapidly in recent years, and it can be regarded as a dominant player in the overdraft card sales market. In the battle for the birthday cake of ETC, Guangdong Development Bank of course also threw out its own olive leaves.

① There is a chance to get 1 cash rebate when you refuel.

② If you spend more than 3,000 yuan in the current month, the discount on the next month’s driving expenses will become 20% off.

③Every time you swipe your credit card to make a purchase, you will have the opportunity to get a 100-yuan gas coupon and a 30% discount on driving.

④ If you use credit cards such as Yuetong Card and Liaotong Card, you can also enjoy a 15% discount on holidays and Sundays.

⑤Completely free vehicle rescue.

⑥ Driver’s accident insurance benefits will be given as soon as you open the card.

8. Bank of Communications

Built in 1908 (the 34th year of the Guangxu reign), the Bank of Communications has traveled a century. History cannot replace a company that keeps making progress. In the ETC market, Bank of Communications’ preferential activities are also worth looking forward to.

① There is also a chance to get 168 and 208 yuan expressway toll vouchers, the total number is relatively limited.

② Users who qualify for the "Redtest Friday" event can enjoy a 50% discount on gas and 5% off on purchases.

③ There are 78 cooperative specialty food business circles in our province, allowing you to enjoy 50% off stimulus prices.

④ Platinum credit card customers can enjoy 6 driving platform services per year, and can also enjoy 6 extraordinary experiences in the Qimi’an Airport VIP room.

⑤ If you are a debit card customer, you can also receive a gift pack of 500 yuan in coupons.

Basically, all banks have some criticisms:

1. There is too much publicity in the activities, which is inconsistent with the facts. With false discounts, car buyers will not be able to actually enjoy the corresponding discounts after applying, and there are always various restrictions and regulations.

2. The service quality is insufficient, proactive and friendly. Financial institutions use pushback or other methods to shun customers, instead of considering the profits of car buyers and solving problems immediately.

3. High efficiency in solving difficult problems. Including application procedures, cancellation procedures and other procedures, many car buyers waited for a long time without response, and the inefficient work speed consumed a lot of time.

The ETC market has just grown rapidly, although there are many areas that need to be improved. At present, several well-known financial institutions are still doing better in service. This is also due to their "people-centered" service quality. They do not engage in "inflated" preferential activities and only provide what they can guarantee. Service commitment, and the performance promise will be fulfilled. Being able to sit firmly in the front seat of the ETC market does not rely on conspiracy, but on honest service.

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