Phishing is a deceptive technique used by scammers to trick you into revealing sensitive information like passwords or credit card numbers.
Official organizations will never email you from a @gmail.com or @hotmail.com address. For example, the recent Stanbic Assets scam used a Gmail account to mimic a financial institution.
Scammers often use "Dear Customer" instead of your real name. If a company has a relationship with you, they know who you are.
Before clicking, hover your cursor over the link. If it leads to a .web.app, .firebaseapp.com, or a string of random characters, it is a fraud attempt.