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How can I tell whether e-mail claiming to be from my bank or credit card company is actually a “phishing” scam?

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How can I tell whether e-mail claiming to be from my bank or credit card company is actually a “phishing” scam?

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There’s often not an easy way: The current, insecure design of Internet e-mail permits scammers to pose as legitimate businesses. American Express offers some tips, which include questioning whether the e-mail’s purported urgency really makes sense.

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