I got an email today, and the contents are in the embedded image.
I do NOT, NOR have I ever, had a credit card with this outfit (this is NOT to say that this message is POSSIBLY indicative of ID theft, i. e., there is a card in my name). So that was a major clue re phony. The second major clue was that the text of this email did not address me by my name.
IF this email was from a credit card company that I actually did have a card with, my first response would be to call their customer service to confirm whether this was a legitimate email.
I get a lot of this type of stuff I always go in to my real bank website instead of clicking on links.
I've had a telephone scam too. I called the bank on a different phone instead of doing the whole fake dial tone routine and as suspected the bank had not called.
So they don't actually know your name, or your account details. But they will certainly collect them when you try to log in to the "recovery page" , "unlock your account" page , "confirm your account details" page, etc, etc.
This is an extremely common scam, its been around for well over a decade. More like 15 years. And is one of the commonest phising scams, so very easy to recognise "dear customer" and yet there are fools that still fall for it. Apparently the web page you end up on can be very authentic looking, not that I've every clicked on one of these.
The entire world has recieved this type of at some point, often two or three times a week, from different scammers.
Do not activate view images - you should always have that disabled on your email client to stop them appearing automatically, as some images can have embedded macros or even viruses. Yes, embedded in an image. And they often include and tiny 1x1pixel related to th eemail sent to you, so they know you are susceptible to opening these things and send more rubbish.
Wot 'e sed!^^^^^^