In the case of China Merchants Bank credit card, our bank will proactively send paper bills or electronic bills by email every month according to the bill delivery method selected by the credit card holder. At the same time, we will send bill reminder text messages starting from the afternoon of the next day on the bill date. . Cardholders can also log in to online banking to check their bills at any time. Electronic bills have the same legal effect as paper bills, and paper bills will still be sent if overdue payment occurs.