In September 2015, non-stop toll collection on highways across the country was connected nationwide, allowing more than 21 million users to travel across the country with one card. Using ETC can reduce highway congestion, and it only takes 3 seconds to pass the toll station. This also means that the ETC credit card applied for by car enthusiasts is universal across the country. Even if you apply for an ETC credit card with local characteristics, you can also realize non-stop deductions at highway toll stations in major provinces and cities that are networked across the country.

Take the provincial and municipal ETC credit cards issued by Agricultural Bank of China as examples, such as: Hubei Tongqu ETC Credit Card, Shandong Lutong ETC Credit Card, Anhui Communications ETC Credit Card, Hebei Jitong ETC Credit Card, Shaanxi Chehang Wuyou ETC Credit Card etc., although it is an ETC credit card issued by the provincial and municipal branches of the Agricultural Bank of China to four local car owners, car owners can make electronic payments at MTC parking channels and ETC non-parking channels on highways in connected provinces and cities across the country.

In addition, the Agricultural Bank of China ETC credit card adopts the "pass first, pay later" method. The toll fee is automatically deducted from the Agricultural Bank of China ETC credit card, and there is no need to deposit cash in advance.

Under normal circumstances, when banks issue ETC credit cards, there will be corresponding preferential activities for cardholders to enjoy, such as free OBU equipment, including installation; toll discounts, roadside assistance, etc.