Maybe I'm mistaken but I've never heard of people
here getting credit card bills, we just get a lette from the bank outlining how much money they automatically deducted at the end of the month
I'm actually checking
the website of an Italian bank right now and they just mention charging your bank account 30-45 days into the next month with no mention of being able to pay manually
Guess my "as an European" was a gross generalization tho! Clearly it's not set up this way EVERYWHERE, my personal experience involves both Italy and Spain so I incorrectly assumed it was the same everywhere else