I haven't used China Merchants Bank, but I received an electronic bill from China Merchants Bank's credit card with the specific place and amount of consumption.
It may be a phishing email sent by a liar, or it may be that identity information has been stolen. You should pay attention to keep your personal privacy and don't expose your identity information easily. You can go to the local counter of China Merchants Bank. If it is confirmed that your identity information has been stolen, you can appeal.