Unfortunately, malware protection software doesn't help much with many of these types of scams, because they rely on tricking the user, not delivering malicious software.
Avoid this scam by ignoring it and deleting the email.
If you are thinking about applying for a “pre-approved” loan or a credit card that charges an upfront fee, ask yourself: “Why would a bank do that?
They will use your emotions and willingness to help against you.
They will promise you a large cut of their business or family fortune.
” These scams are obvious to people who take the time to scrutinize the offer.