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A "phishing" email lures you into divulging your login credentials — your username and password — through convincing emails and links to web pages.

These phishing emails and fake websites that resemble legitimate credit authorities like Citibank, e Bay, or Pay Pal.

The moment the bad guy cashes your money order, you lose.

Usually, by the time you realize you have been suckered by a con artist, they are long gone with your money.

Avoid this scam by ignoring it and deleting the email.