Paper bill is the billing address you leave when you apply for a credit card every month, which may be your work address or your home address, depending on which one you leave when you apply.

Electronic bills are sent by email.

If you don't handle electronic bills, you will only receive paper bills. After applying for electronic bill service, you can send both electronic bills and paper bills at the same time. If the cardholder chooses to receive only electronic bills instead of paper bills, China Merchants Bank will also give the cardholder certain points as a reward.