Be careful about the mails you get, no matter how genuine they appear. A lot of people, including highly educated professionals have fallen prey to these scams and lost tons of money.
For the past few months I have had some hilarious and some utterly infuriating experiences with banks and credit cards and thought of sharing them with you: not just to vent my frustration, but also to ring a warning bell. Please be careful, please read your credit card statements properly, and also please keep a record of all the freebies (read 'life-time free card' offers, etc) that banks promise.