Every month a guy I work with gets one of those Chase emails. I kept telling him,"Don't click on the link, its a scam." But did he listen? Noooooooooooooooo. He doesn't even have a Chase account.
Somebody got his credit card number as a result and charged up an bunch of stuff. Eh, I told him not to.
Some of the eBay ones I've seen are really interesting because the scam artists get them down so well.
Then there are ones that are so badly written you think "How could anyone fall for that?"