This Phishing test shows how hard it can be to distinguish between legitimate e-mails and those of scammers trying to trick you into giving away sensitive information.

I got a 9/10 on the quiz, marking one a fraud that was legitimate, but I’d rather err on the side of caution.

In fact, if you ever doubt the legitimacy of an e-mail, it’s better to assume it’s a scam and be wrong than to assume it’s official and be scammed. I suggest going directly to the site by typing in the URL (the link from an e-mail could be spoofed or misleading). Once you’re at the site you can log in to your account to verify the e-mail’s claims.