What's the difference between ETC stored value card and charge card?

A few days ago, I took a friend's car to Jining and got on the expressway. His etc couldn't lift the pole. Although there is 75 yuan in the card, the display has expired. His card is a prepaid card, which was handled from the expressway service center earlier. There are fewer and fewer stored-value cards now.

Stored value cards are mainly etc cards issued by early expressways, similar to the membership cards of shopping malls. Need to recharge before consumption. If the money in the card is spent, there is no way to deduct the fee and cross the expressway.

In addition, stored value cards also have a validity period, just like my friend's etc. Because it was overdue, he didn't get on the highway for a long time, and he didn't know. Although cary has money, he still can't get on the road through etc.

If you want to apply for etc now, you'd better apply for a recharge card. The so-called recharge card, as its name implies, is to recharge the account first and then pay the money when passing through the expressway. This recharge card can't be used alone. You need to bind your own bank card, which can be a credit card or a savings card.

The etc I handle is a debit card, and it is bound with a savings card. Why should I bind a savings card? At that time, the main consideration was the reason.

1. Check the bill more clearly.

I usually use credit cards for spending, so I have a lot of credit card bills every month. If there is any doubt, it is very troublesome to inquire, but my savings card is rarely used for consumption, mainly for etc deduction, so it is more clear to check the account end of the savings card.

2.Etc prepaid cards will delay the charge.

If it is a stored-value card, the etc on the expressway will be charged immediately, but the charging card will often be delayed by about 7~ 10 days, so many people are sometimes confused when they receive the information of ETC charging. If they often take the highway, it is easy to forget what happened.

Recently, it was reported on the internet that some people's etc charges are not allowed, and it is easier to query by binding savings cards. For example, Mr Xiang from Sichuan went home to visit the grave on Qingming Day, but the original expenses in 220 yuan were deducted by more than 770 yuan. If it is delayed for a while and mixed with credit cards, it will be more troublesome to inquire.

Ms. Fu from Xi 'an also encountered a problem. Before going to bed, she received a short message of etc charge deduction, but it showed that she entered the expressway at 1906 and left the expressway at 20 19. Although the cost is not high, it is a little uneasy that this expressway has been running for 1 13 years.

Therefore, while the toll card is convenient, there are also some minor problems, that is, the toll system of the expressway must be accurate, otherwise it will easily make people feel uneasy. If the fee is overcharged, how to protect rights?

It is hoped that the etc system of expressway will be reformed quickly, and it is best to realize real-time deduction of toll cards. Even if there is a delay, it is best not to exceed two hours, so that everyone will feel more at ease when using it.

Finally, tell my friends a practical little method, download an expressway e-pass software, as long as you have handled etc, you can check your bills through this software, and if there are any problems, you can find them in advance.

Let's really talk about this. ETC prepaid card savings card, although the name is similar, like "sister flower", in fact, there is a big difference!

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

The savings card does not have the overdraft function, so it is necessary to ensure that the savings card account has a certain balance before getting on and off the bus normally. And once the balance is insufficient (or the balance is 0), it cannot be used!

Because of this, when banks apply for ETC savings cards, they often freeze some funds (500 yuan or 800 yuan or others) in advance. Avoid the situation that users forget to save money and can't use ETC normally!

In addition, there is one more thing. ETC savings card is only a debit account, and there is no overdraft consumption. Naturally, there is no need to bind a fixed vehicle! ETC savings card can be used in different vehicles!

At present, almost all ETC we go to the bank to handle belong to this category!

Recharged cards, as the name implies, are equivalent to credit cards, which can be overdrawn, but fixed vehicles must be bound in advance! Comparatively speaking, ETC charge card has the following characteristics:

More and more people have applied for ETC. ETC cards are divided into stored value cards and charge cards. What's the difference between these two cards? Which one should we choose? Let me talk about it in detail.

ETC charge card is a kind of credit card, which can be used for overdraft consumption, and adopts the method of paying first and then taking it. The ETC toll card is bound with user information and vehicle information, and registered in real-name registration system. One vehicle corresponds to an ETC toll card, and the main card can be used as an ordinary credit card, and the auxiliary card can be directly inserted into ETC equipment.

In addition to different consumption patterns, ETC prepaid cards need to pay an annual fee because they are credit cards. For example, the annual fee for the ETC credit card of Agricultural Bank of China is 160 per year, and the annual fee for the following year can be waived by swiping the card five times.

ETC stored value card, that is, our daily debit card, has no overdraft function and needs to be recharged before it can be used. When the vehicle passes through the ETC lane, the high-speed toll is directly deducted from the card. The balance is insufficient, ETC equipment is invalid, and ETC lane cannot be taken.

ETC stored value cards can be handled by individuals, companies and non-owners, while ETC prepaid cards can only be handled by owners.

ETC charge card can be overdrawn, which is equivalent to credit card. Pay first and then pay back, and there is an annual fee. After the annual consumption reaches the rated number, the annual fee for the second year will be exempted. ETC stored value cards need to be pre-stored, and when the amount is insufficient, ETC will be invalid immediately.

In short, the country is vigorously promoting ETC. At present, the cost of OBU equipment can be exempted from handling fees. After 65438+1 October1in 2020, users may need to spend more than 300 yuan to buy OBU equipment, and there will be a 15% discount on high-speed tolls.

With the continuous improvement of high-speed ETC in China, the Ministry of Communications clearly pointed out that the utilization rate of ETC should reach over 90% by the end of 20 19, and more and more people began to apply for ETC cards. Many of them don't know what ETC prepaid card means, let alone which is better, ETC prepaid card or stored value card. Some old drivers who applied for ETC prepaid cards also regretted it and told the following truth.

What is ETC?

ETC (Electronic Toll Collection) literally translates to electronic highway toll collection, which is what we often call the non-stop toll collection system. There are one or more ETC lanes on the expressway. Through the short-distance microwave communication between ETC electronic tag installed on the front windshield and the microwave antenna above ETC lane of toll station, and the settlement with the bank background by computer networking technology, the purpose of charging vehicles passing through the road and bridge without stopping is achieved. ETC cards on ETC devices are also bank cards, which are mainly divided into three categories:

I. ETC Charge Card

There is no charge when passing through the expressway toll station. The computer will display and record the traffic situation, and the system will automatically deduct the corresponding fees from the bank account authorized by the user. There is no need to recharge the loan on a monthly basis, and a handling fee of 1% is paid for each use. The difference between ETC prepaid cards and stored-value cards is that ETC prepaid cards can only be handled by car owners, while ETC stored-value cards can be handled by individuals, companies and car owners.

Second, ETC stored value card (debit card)

In other words, we often say that the B card does not have the function of overdraft consumption, and it needs to be used by pre-storing expenses (deposits) in advance. When the balance of ETC stored value card is insufficient, it cannot pass through ETC lane, and it may be blacklisted in ETC.

Third, ETC credit card

Usually, such ETC credit card co-branded cards are issued in cooperation with financial institutions such as banks. It integrates the financial function of the credit card and the dual-interface smart chip function of the pass card CPU, and is equivalent to a pass card when used in the expressway toll station and a credit card when used in the financial consumption field.

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

ETC (Electronic Toll Collection) is a non-stop electronic toll collection system. The ETC lane is used by vehicles equipped with ETC vehicle-mounted equipment, and electronic toll collection is adopted. ETC toll collection system is the most advanced toll collection system in the world at present, and passing vehicles can realize non-stop toll collection.

In the future, there will be no private cars such as ETC on domestic expressways, and it is estimated that expressways will gradually stop. But private cars without ETC will have a transition period. Now the ETC toll can be 15% off, including welfare. There is no reason not to do it.

So now there are two kinds of ETC stored value cards and ETC prepaid value cards. These two cards are still the same, one is to recharge first and then consume; One is to spend first and then pay back the money. The former is a bit like a city card with transportation payment function, which costs as much as it is recharged. If the cost is insufficient, it is impossible to enter the ETC channel for consumption. The latter is bound with a bank card, which is used first and then deducted.

Among them, ETC stored-value card does not have overdraft function, so it needs to be used in advance, and it can be used as much as possible. When the vehicle passes through the ETC lane, the high-speed toll is directly deducted from the card. The balance is insufficient, ETC equipment is invalid, and ETC lane cannot be taken. Last time, because I forgot to charge my car, I couldn't get through the ETC channel. It was a little troublesome to quit and change lanes to pay.

ETC bookkeeping is a bit like a credit card, but it is not a credit card. It adopts the method of paying in advance, and can be deducted by a bound savings card or credit card. The ETC toll card is bound with user information and vehicle information, and a car is registered in real-name registration system to correspond to an ETC toll card.

According to my personal point of view, ETC prepaid cards are a little more convenient than ETC stored-value cards, and ETC stored-value cards are about to enter history.

The popular point is that one saves money first and one consumes first, but we don't handle stored-value cards anymore. I heard that the provincial toll station was removed, fearing that the balance of some stored-value cards in the province was insufficient. Now it seems that in order to respond to the big station of the Ministry of Transport, only one manual ETC mixed lane has been reserved for trial operation, and the others are ETC! Overlimit refusal to the Northeast Army!

The state vigorously promoted the installation of ETC, which facilitated people's travel and introduced two kinds of cards. Let's introduce the difference between these two cards.

ETC charge-to-account cards are mainly overdraft consumption, and ETC savings cards need to be recharged. This model is that there is no need to recharge consumption. ETC "recharge card" can overdraw consumption. And ETC "stored value card" can only use the money in the card and cannot be overdrawn.

The savings card needs to be recharged. As long as enough balance is recharged in advance, it is very convenient to use. And sometimes there are free equipment delivery activities, which can save installation fees and equipment fees. Alipay ETC equipment needs to be charged, and ETC savings card has more advantages.

Now basically most car owners have handled ETC. In order to be more efficient on the highway, there is no need to wait in line. However, we should pay attention to these details. Although it is convenient, the high-speed toll should be paid in time, otherwise it will not be worth the loss to enter the "blacklist" and "Lao Lai" list.

No one can avoid food, clothing, housing and transportation. Today, I mainly talk about traffic-related issues. The highway is no stranger to friends who drive, and I can't help but think of my uneasy mood when I first got on the highway. In order to avoid the problem of easy crossover, China has stepped up efforts to implement the ETC charging policy, and most car owners should have replaced this charging method.

So, are you familiar with ETC policies? ETC is divided into stored value card and charge card. What's the difference between these two cards? Will it affect your charges at highway intersections in the future? Let's have a look!

ETC is an electronic highway toll collection method, which aims to realize vehicles passing through toll intersections quickly and improve transportation efficiency. Through the ETC device installed on the front windshield of the vehicle, the data communication with the ETC device at the intersection of the expressway is completed by microwave, and the purpose of vehicle fee deduction and fast passage is realized. The charging mode of ETC is obviously more efficient than the current cash or code scanning payment, which is also the main reason for the country's vigorous promotion.

Well, after understanding the working principle of ETC, let's take a look at the difference between ETC stored value cards and recharge cards.

1. What is an ETC stored value card?

ETC stored value card is similar to our bus card and subway card, and it needs to store a certain amount of consumption in advance. The cost of passing through the expressway will be deducted from the stored value. Then there will be two situations, the stored value is greater than the cost, and there will be no problem; If the stored value is less than the cost, it will not pass, and it is easy to enter the ETC blacklist.

2. What is an ETC charge card?

ETC recharge cards are similar to our credit cards, JD.COM Baitiao and Ant Flower Shop, which can bind bank cards and credit cards, and make unified settlement and repayment every month (recharge cards must be handled in person). An extra charge of 1% is charged for each prepaid card, which is the real reason for everyone to seize the market share of ETC.

Third, the development trend of ETC policy

According to the guidance documents of the National Development and Reform Commission and the Ministry of Transport, various regions will gradually phase out ETC stored-value cards and promote ETC prepaid cards. Various regions have stopped or suspended the processing of ETC stored-value cards. Next year 1 month, ETC stored-value card users in some areas will not be able to pass through the fast lane, but only through the manual toll channel. For users who use ETC stored-value cards now, they can replace ETC prepaid cards for free.

I want to know whether you have started using ETC recharge cards? Welcome to leave a message to discuss, like a little attention.

There are too many choices of cards for etc, some are bank savings cards, some are credit cards, and some are charge cards of various companies. When debiting these charge cards, you can also debit the savings card provided by Help, or debit the credit card provided by Help. There are many options.

Since the high-speed recommendation of etc, more and more car owners and vehicles have applied for etc, including banks and high-speed management offices, and some network platforms can apply for tec. However, there are also many opinions, some of which are directly inserted in the small box of etc, and some are inserted in the prepaid card. What is the difference between them? It's actually quite simple.

The stored-value cards and prepaid cards of Etc are actually equivalent to savings cards, credit cards and stored-value cards in bank cards, that is, money is first deposited in them, then high-speed consumption is carried out, and money is directly deducted from the cards. Recharged cards are equivalent to taking the high-speed first, so the card can't have money, or the card inserted in it doesn't have financial function at all, so you can keep accounts, and then deduct money from the help-oriented card after taking the high-speed consumption. It's that simple.