* If a member receives an e-mail that warns them, with little or no notice, that an account will be closed unless they reconfirm their billing information, they should not reply or click on the link in the e-mail. Instead, contact the company directly using a telephone number or Web site known to be genuine. * Members should avoid e-mailing personal and financial information. When submitting financial information through a Web site, look for the "lock" icon on the browser's status bar or "https" in the address. * Members should review credit card and credit union account statements as soon as they receive them to look for unauthorized charges. If the statement is late by more than a couple of days, members should call the credit card company or credit union to confirm their billing address and account balances. * Members should report suspicious activity to the FTC. Send the actual spam to [email protected]. If they believe they have been a victim of a fraudulent scheme, they should file a complaint at www.ftc.gov, and visit the FTC's Identity Theft website (www.ftc.gov/idtheft) to learn how to minimize damage caused by identity theft.