How to Use ETC with a Credit Card?
2 Answers
How to use ETC with a credit card: After obtaining an ETC credit card, install the ETC device and bind the credit card. There is no need to pre-charge the card. Every time you pass through an ETC lane on the highway, the system will automatically deduct the fee from the bound credit card, and you can repay it later. This ETC credit card allows you to pass first and pay later, meaning you don’t need to preload money into the card—the toll fees are directly deducted as an overdraft from the credit card. Currently, the methods for applying for ETC include purchasing the device from highway operation units or applying for a credit card at a bank. Once you receive the ETC device bound to the card, you can start using it. To cancel the service, bring your driver’s license, ETC bank card, highway pass, and ID card to your corresponding bank for cancellation.
When I first got my credit card ETC, I was super excited. First, you receive the device, usually an OBU small box sent by the bank, which you stick near the rearview mirror on the windshield. After installation, you need to activate it by linking your credit card account on the relevant app—make sure not to enter the wrong card number. Once activated, when you drive onto the highway, use the ETC-only lane without hesitation, slowing down to under 20 mph for automatic recognition and deduction. Check the deduction records on your monthly statement; if the balance is low, it will remind you to top up or renew auto-repayment. After using it for a few months, I found it incredibly convenient, saving queue time, and the credit card points can even offset some discounts—it's especially great for long trips. Just be careful not to block the device or install it too crookedly, as that could affect recognition.
