In the last two days I received the following emails, both warning me about restriction of my account due to irregular activity.
The first one was from Barclay - yesterday 26.09.11
It stated: We detected irregular activity on your Barclays Check Card on 27 September, 2011
Wow, I want one of those, a bank card that already knows what I'll be spending my money on the next day.
How to detect a spoof email
Today it was an email from Paypal:
You may have noticed that some limitations have been placed on your PayPal account. As a valued PayPal customer, we want to let you know what this means and how to resolve the situation.
And right at the bottom the very helpful tip:
How do I know this is not a Spoof email? Spoof or ‘phishing’ emails tend to have generic greetings such as "Dear PayPal member". Emails from PayPal will always address you by your first and last name.
Are we dumb?
I do know these phishing methods do get a result once in a while. But to be honest, everyone who falls "victim" do these scams I really can't feel pity for.
If you cross the street without paying attention you might get knocked down by a car, if you don't pay attention to all the warnings your bank etc bombards you with you might get robbed. Not your bank's fault, not the government's fault - your fault!
If you do fall for these tricks and scams, yes, then you are dumber than dumb. So stop complaining and start paying attention to what exactly you receive in your inbox.