I often get junk mail that tries to come off as legit, and half the time I have to laugh because their attempts are just SO pathetic.  Take this one I got:

Seriously?  You expect me to fall for that when you are using multiple fonts, no images, and don’t know more than two of the numbers in my account?!  Besides, those two numbers aren’t even right.  Ultimate FAIL.  Plus, when I hover over the link, I can see that the address it would take me to is complete bogus, seeing as it’s hosted on realdragonhk.com.  I’ve also never received such a plain e-mail from American Express, which always includes their logo (hey, every chance to build branding, right?) and uses HTML to create a nice layout that also shows me an image of the type of card I have.

I really hope that people are smart enough not to fall for things like this.  And if they somehow do, I hope their spyware is good enough to catch these ridiculous sites and redirect them elsewhere.  Honestly though, you’ve got to miss a lot of big, fat, and bright red warning flags to not notice.  The next time you receive one of these, I’d advise you to report it and then delete it.  Most sites have a fraud protection area where they give you an e-mail address you can forward it to – I know I’ve done so for this one, a fake IRS one, and I believe a Bank of America one.  Certainly most banks and credit card companies are well aware of this issue and have set up appropriate channels for you to go through.  That way, they can be alert of all the scams out there and get those sites flagged and removed ASAP.