Visa Credit Card how to apply common sense not to get ripped off!

I recieved this from my visa credit card company when I reported what I thought was a fraud trying to get into my accounts they said these are tips you can use to help protect yourself and your credit rating from Identiy theft.
Stay safe from Phishing: Easy clues to help you keep your personal information
secure.

The main goal of a phishing email is to get you to a site where you will
provide your personal information. With these basic, but powerful, clues, you
can easily recognize the threat and ensure the safety of your identity and
finances.

1. Does the email ask you to go to a website and verify personal information?
We won't ask you to verify your personal information in response to an email.
2. What is the tone of the mail? Most phish emails convey a sense of urgency
by threatening discontinued service or information loss if you don't take
immediate action.
3. What is the quality of the email? Many phish emails have misspellings, bad
grammar, or poor punctuation.
4. Are the links in the email valid? Deceptive links in phishing emails look
like they are to a valid site, but deliver you to a fraudulent one. Many times
you can see if the link is legitimate by just moving your mouse over the link.
5. Is the email personalized with your name and applicable account
information? Many phish emails use generic salutations and generic information
(e.g. "Dear Customer" or "Dear Account Holder" instead of your name.
6. What is the sender's email address? Many phish emails come from an email
address not from the company represented in the email.
7. When in doubt, type it out. If you suspect an email to be phishing, don't
click on any links in the email. Type the valid address directly into your web
browser.