Here's a public service reminder: Never click on links in an e-mail. Ever!

Now, let me say that I don't always heed this advice myself, but I should. And today, I'm glad I did.

I got an e-mail today with the following subject:

Jim over at Blueprint for Financial Prosperity asks whether his readers give to panhandlers (he doesn't). I don't give to panhandlers, but then there aren't very many in the small upstate town where I live. I doubt I would give to them in a larger area either.

So, about a month or so ago, I noticed on my credit report that I still had a Discover account. I had stopped using it a couple years ago when my rate went way up for undisclosed reasons.

Anyway, because Discover is running a 5% cashback bonus on gas this summer, I had used the reactivated card when we went out to Ohio for a family reunion to gain a few cashback dollars on my account.