Is it better to use credit card or savings card for ETC?

If you want to know whether a credit card is cost-effective or a savings card is cost-effective, you must first understand what a credit card ETC is and what a savings card ETC is. Savings card ETC is to transfer the money in your bank card to a high-speed account first. When you use ETC at high speed, the money will be automatically deducted from the ETC account, which is equivalent to transferring money first and then using it.

However, the savings card has one disadvantage. In some places, the savings card ETC must ensure that there are deposits above 500 yuan in the card. For example, there is 650 yuan on the card, 150 yuan for an expressway, and only 400 yuan in the card. The rest of the 400 yuan can't be used, so you have to go to the bank to renew it.

Credit cards are mainly used for charge-to-account consumption, that is, like flowers we often use, we use them first and then pay them. Of course, we must keep a certain amount on the card before we can use it. Even if there is no money in the bank card, we can overdraw it. The most important thing is convenience and speed. When the card has no money, we can also pay on the APP.

However, credit cards also have disadvantages. Many times, some users' credit cards are overdrawn, but they forget to pay, and they are blacklisted by banks, which will have an impact on many things in the future, such as mortgage and car loan. Moreover, credit cards belong to national credit information, and the whole network provides big data. As long as they are blacklisted, all banking enterprises can see them. But if you repay in time, the more bills you spend and the more times you repay, the bank will improve your credit and give more credit.

Understand credit card ETC and savings card ETC, which is better? According to insiders, if you want good welfare, you must apply for a credit card, because the savings card ETC is inactive in the bank, and at present, the savings card has a small amount of confidential payment, which is risky. Most importantly, credit cards can provide credit here in the bank, and more loans can be obtained after the credit is high.

Through the above analysis, I still think that credit card is better and payment is more convenient. There is no 500 deposit in the card, which can save a lot of money.

What I do is the ETC of debit card, because the first batch of ETC launched by ABC is bound with debit card, and now I regret it! I can't wait to change to a credit card, but I don't have time for the time being. Share your experience with your riders, hoping to help you.

First of all, it is troublesome to recharge the debit card. As we all know, once ETC is bound to a debit card, the toll cannot be paid directly with the balance of the debit card, but with the electronic cash in the debit card. This kind of electronic cash must be deposited at the counter or ATM with a debit card to pay the toll. Self-service deposit without mobile banking is very troublesome, and it is very uncomfortable to have to go to the bank.

Secondly, with the opening of the small double exemption function of debit card, it brings certain risks to the long-exposed debit card (because the electronic cash card has been inserted in the car). If the double exemption function is not turned off in time, it may be stolen. Someone said it, but I don't know if it's true or not, so be prepared.

Third, forgetting to recharge is occasionally embarrassing. In fact, many riders don't care about the change of electronic cash balance. Sometimes they forget to rush to the toll booth and find that the balance is insufficient, so they rush to reverse the car by pressing the horn. I'm so embarrassed, I really met you ~ make everyone laugh. This is basically not the case with credit cards, because you can overdraw at any time, but not with debit cards.

Fourth, credit card ETC can enjoy more benefits, while debit card benefits are quite limited. For example, credit card car washing can grab 1 yuan, with discounts and points, including 10% off the toll, while debit cards have basically no other discounts except the toll. At the same time, for riders who are not qualified for a credit card, they can also take this opportunity to easily apply for a credit card, which is still very good. The application conditions of ETC credit card are very low.

In a word, credit card ETC can not only realize self-help and convenience, but also increase security, and at the same time, it can enjoy more issuer benefits, and its advantages are definitely greater than debit card ETC.

This really can't be across the board. Simply put, credit card is better than savings card. Still look at personal needs and analyze the specific situation. It can be roughly divided into these situations.

Once you have a credit card, you have a credit card and you must use it frequently. In this case, you can directly choose a credit card, because credit cards can deduct money, just like some mobile phone numbers, you can spend first and then pay. The savings card won't work. It's convenient for people who often go out and have a high speed ratio.

Second, there is no credit card. Some people say that since credit cards are convenient, let's open them. Wait a minute, it doesn't mean that credit cards are convenient, so you have to choose credit cards. If you just like hanging out in the local area and basically don't get on the highway, then you really don't need to get a card to get on ETC. Because the annual credit card fee is enough for you to run hundreds of kilometers. Why don't you use a savings card?

3. Pre-authorization card Many banks will provide pre-authorization to their customers in order to boost their business, which gives them a very favorable discount. Such banks should ask whether overdue consumption will be reported. If you can't buy a house for petty gain, it's not worth the candle.

If you think it is helpful, please give me a compliment!

With the cancellation of main toll stations in the province, manual toll lanes are replaced by ETC lanes, and we really need to use ETC. So, where is ETC? If you go to the bank, should you apply for a credit card or a savings card? Today, we have a good talk through this article.

Let's popularize it first. What kinds of ETC cards are roughly divided into:

Expressway ETC processing center

It is generally recommended that you go to the ETC handling center of the expressway. The purpose of ETC processing center is to facilitate the installation and cancellation of equipment. If the equipment breaks down or there are some problems in the payment process, you can go directly to the handling center to consult the rights protection. With the implementation of ETC installation in China, ETC will have preferential policies at present, and ETC handling centers will also be free of equipment fees.

General card name: Sutong card, Huitong card, Lutong card, etc.

Banks, etc

All major banks have launched ETC business, which has the advantage that it is more convenient for users who are relatively difficult to handle in the expressway center in the region.

Bank transactions are generally divided into savings cards or credit cards.

Credit cards, of course. Credit cards do not need to be deposited in advance, and there is no need to worry about the failure of deduction. Moreover, it is very strong to apply for ETC discount with credit card, generally 10% discount, and the savings card is generally 8.5% discount.

I'm Mao Mao, the account manager of this bank. Let me compare the advantages and disadvantages of credit card and savings card in detail.

Advantages of credit card over savings card:

First, ETC credit card gives credit card a relatively large amount. It is difficult to apply for a large credit card at ordinary times, and the bank can be regarded as providing a benefit to customers.

Second, if you use a credit card to bind ETC, you will enjoy more toll concessions. In addition, you will also enjoy various preferential activities, such as a one-yuan car wash, a 20-yuan gas coupon for the first refueling, a 20-yuan phone bill for the first consumption, and a 100-yuan room and board on Saturday. Negative twenty and so on.

Then why do so many people refuse to apply for credit cards with so many benefits? Because there are still many people who misunderstand that credit card processing is too troublesome and there is a risk that POS machines will be stolen.

In fact, it is very convenient and quick to apply for a credit card now, just fill in the basic information on your mobile phone.

Because the video of someone stealing a credit card with a mobile POS machine in the car has spread on the Internet, many people are worried. In order to avoid such risks, banks now follow a separate card after handling ETC credit cards, which has no financial function, and only need to insert this card at high speed, so that it is not necessary to insert the credit card in front of the car and avoid the risk of being stolen. If you are not at ease, you can turn off the credit card flash payment function.

So it is better to use credit card to handle ETC. I hope my answer is helpful to the subject.

In my city, ETC is almost semi-mandatory, because there is only one manual /ETC mixed lane on the expressway, and the efficiency without ETC is naturally much lower than that with ETC. Moreover, major bank outlets are also fully promoting the processing process of ETC. Therefore, it is recommended that the owner should handle it well and not add trouble in the later period.

When handling ETC, you can use savings card or credit card. There are almost no additional conditions for savings cards, such as management fees and service fees. If you have money, you can scan them. As for credit cards, you don't need to save money first, you can repay them every month when they are due, and you are exempt from annual fees when you spend a certain number of times. However, the amount of this card is generally very small, only a few thousand.

The first is that you can use ETC service without recharging. Secondly, if you have a credit card, you can get some discounts and points, and the points can be exchanged for gifts. Moreover, if you often run the expressway and get an ETC credit card, you can not only save a lot of travel expenses, but also enjoy a lot of extra benefits.

Remind that the owner of credit card ETC must remember to repay in time, otherwise it will be bad to be dragged to the untrustworthy person because of the arrears.

Personally, credit cards are the best if possible.

1.ETC savings card can't pay the toll directly even if it saves money. You have to save and save.

I suffered such a loss. The ETC card is out of money, so I have to take the high-speed home. When refueling at the gas station, Cary saved the toll and inserted the card many times along the way, which always showed that the balance was insufficient. I can't help it When I got off the highway, I asked the bank about the manual payment. He asked me to deposit, not not not to deposit, and the savings card can't be swiped directly.

Second, you must have a credit card. Credit card Even if you don't have any money in your card now, you can repay it in advance and pay it back next month. You can also use another credit card to save money. In case of emergency, you can do it without going to the counter or mobile banking.

At present, banks are forced to run etc for various reasons. On the one hand, the quality of car owners is slightly better than that of customers, and their spending power is relatively acceptable, which has a great effect on banks accumulating customer deposits and sinking funds. Imagine that the one-person savings card ETC has 1 000, and the deposit amount is huge. It is a sword for banks to compete for customers. On the other hand, it is the strategic need for the country to build a strong transportation country. China has the largest railway and highway network in the world, but the supporting scientific and technological facilities are still short-board. With the cancellation of provincial toll stations, related investments will be rebalanced. Manual charging is an obvious example. Who wants to sit in the middle of the night and wait for one car after another with a smile? Besides, safety is also a big problem.

It's best not to do ETC, and the equal buckle system is stable. It is not too late to use it again after the country confirms that it will not raise prices.

At present, banks are launching free installation of ETC. Then, for car owners with ETC business, which is better, a savings card or a credit card? Let's talk about the new brother's opinion!

If we use a credit card when dealing with ETC, then we don't have to worry about having no money in the card.

At present, it is quite convenient to apply for ETC-bound credit cards. The biggest advantage of the credit card bound by ETC is that there is no money in the card, so there will be no charging problem when passing through the ETC channel of the toll station. For car owners who often run high-speed or drive on the road, it is quite convenient to apply for ETC-bound credit cards.

If we use a savings card to handle ETC, we must first deposit money in the card. If we run a long distance, we may have to prepare a lot of money in it. Once we forget to save money, we may be in trouble. If there is no money in the card, the ETC system will not pass. At this time, you can only reverse the car and take the manual channel.

Therefore, Brother Xin thinks it is better to apply for ETC or bind a credit card, so there is no need to worry about some problems such as lack of money in the card.

On May 2 1 2009, the Ministry of Transport issued the Notice of the General Office of the Ministry of Transport on Vigorously Promoting the Development and Application of Expressway ETC, which stated: "The issuance of stored-value cards will be stopped, and the existing stored-value cards will be converted into charge cards."

Recharged cards are settled after consumption, and can be bound to bank savings cards or credit cards for settlement.

So in essence, there is not much difference between binding a savings card and a credit card, but there are also differences.

Deposit is required to bind the savings card to ETC, generally at least in 500 yuan, that is, in advance. That is to say, at the time of processing, there is at least 500 yuan cash in the savings card, but not in the credit card. Except for this difference, other expenses are the same.

At present, most banks support online processing of credit cards, but savings cards do not, except the Postal Savings Bank. The purpose is also very simple, of course, to increase credit card business, and if you want to use a savings card to bind ETC, you may need to go to the outlet counter to handle it. In addition, it is convenient to use. I think so. The savings card should be recharged before consumption. If there is no money, it needs to be recharged. Pay back the credit card first, and then pay it back every month. Strictly speaking, a savings card may be more convenient. Of course, if you use your credit card frequently, you have to repay it regularly every month, so the difference is not very big.

At present, all major banks, regardless of whether they bind savings cards or credit cards, basically offer a 15% discount, because this is stipulated in the notice: "From July 1 day, 2009, the preferential policy of not less than 15% discount for ETC users will be strictly implemented". In the early stage, several banks may give a 10% discount or a 15% discount, but now it has exceeded the preferential period. In terms of service charge, it is related to the issuing bank of etc, not to the bank. Of course, some banks subsidize service fees, which has nothing to do with banks, so it doesn't matter whether they are tied to savings cards or credit cards, so there is no difference in service fees. In addition, the credit card itself has its own preferential rights, but the savings card itself does not. Of course, if the credit card has rights, there will be an annual fee standard. Although most of them can be exempted by credit card, there will be an annual fee if they fail to meet the standard, so the savings card will not have this concern.

All the same. The ETC card is inserted in the car, not a savings card or a credit card. If it's stolen, the money will disappear regardless of whether you are bound to a savings card or a credit card. If it's a savings card, it depends on how much money you have in it. Because savings cards generally have no spending limit, and credit cards are paid in a confidential manner below 1000 yuan, so at most, they are stolen 1000 yuan each time. In a word, if it is stolen, the degree of damage depends on how much money is in your savings card and credit card. So, I think, in terms of safety, it is half a catty.

My suggestion: If you often use a credit card, bind it. Anyway, you have to pay back regularly every month, which will not increase the extra workload; If you don't use a credit card often, just bind a savings card to ensure that there is money in the card, and don't worry about paying back the money regularly every month.