I received by email a "apple.com/bill". Not mine, no charges showed up on creditcard, nothing on Apple purchase history. Can someone tell me how to handle this? Thanks

See your purchase history for the App Store or iTunes Store https://support.apple.com/en-us/HT204088 to see for sure if the charge was made by Apple. If you have a problem with a subscription or a purchase, see Subscriptions and Purchases https://support.apple.com/en-euro/billing. If you think you may be able to get a refund, then use the request a refund link. It will take you to Request a refund for apps or content that you bought from Apple https://support.apple.com/en-euro/HT204084

See How long refunds from the App Store or other Apple services take https://support.apple.com/en-us/HT210904

You also can get Apple telephone support for help in solving your problem using this link https://getsupport.apple.com/?caller=kbase&PGF=PGF63005&category_id=SC0245&symptom_id=23362 Be patient; sometimes you can't get immediate telephone support.

or use Apple Support Twitter  https://twitter.com/AppleSupport

And here is how to contact iTunes worldwide support via text or chat using this link https://support.apple.com/choose-country-region/itunes After choosing your country, see the heading Tell us how we can help.

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Note that the email your received may have been a scam that your didn't fall for. Match your email to what is said below.

See How to identify scams related to purported apple notifications—per Eric Root.

“Apple will always address you by your name or the name they have on file for you, not Dear Customer, Dear Client or by using your e-mail address. The e-mail will be from @apple.com or @iTunes.com. E-mail addresses can be spoofed. You can go to Mail/View/Message/Show all Headers to see more. Apple emails won't have poor grammar/misspellings. Apple e-mails will never contain an attachment. Apple will never request personal information by email such as Social Security numbers, your Mother’s maiden name or full credit card numbers. …The only exception to the above I have noticed is if you order something from the Apple Store (apple.com), your receipt will be addressed to Dear Apple Customer. That is a receipt for a purchase you initiated.”