Capital One - Maintaining Credit
As the old saying goes, if it sounds too good to be true, it probably is. Yet people still fall for email scams all the time. There's usually two ways fraudsters will go about using email to trick you: phishing and hoaxes.
When someone tries to trick you into giving them your personal information such as usernames, passwords or credit card details, that's called "phishing". What they'll do is send you an email that looks like it's from your bank or credit card provider and ask you to confirm your personal details. Sometimes they say they're updating their files. Other times they claim your account will be closed if you don't respond. It's pretty sneaky. And unfortunately, it works. A lot. Remember, banks and credit card companies will never email you to ask for your information. So no matter how real they look, don't respond. Instead, contact your bank directly and let them know about the phishing attempt.
What a hoax!
Hoax emails usually involve some elaborate story that involves some way of you making a lot of money from someone you don't know. Simply put, they aren't true. Nope. No matter how interesting the story is, or how they personalize it. If you don't know the person sending it, your best bet is to delete the emails and mark them as spam. You will not get rich. You'll only get taken advantage of.