"Please notice that your VISA card is now disabled and you will not be able to use it. ... This is a security measure made by your bank. ..."

That's the kind of e-mail message that gets your attention. And some of those who recently received it probably did just as instructed and called the provided toll-free number to re-activate their credit cards. The problem is their cards were never de-activated in the first place. And if they called in and keyed in their card numbers, they opened their accounts up to a world of criminals.