See also the #2 example.
Some people are still easy prey, which is why such emails are still sent. This phishing attempt is more competent than some (no obvious spelling or grammar errors) and much less sophisticated than others.
Phishing is the attempt to acquire sensitive information such as usernames, passwords, and credit card details (and sometimes, indirectly, money) for malicious reasons, by masquerading as a trustworthy entity in an electronic communication.
NEVER CLICK ON LINKS IN EMAIL.
Use the phone and/or manually go to the web site yourself.