When encountering phishing scams, what is an advisable first step?

Changing passwords immediately and ignoring the email is a prudent reaction when confronted with potential phishing scams. This approach mitigates further risk, as it ensures that if any sensitive information has been compromised, the attacker will not be able to use the existing credentials to gain access to the affected accounts.

By changing passwords, you actively protect your accounts. Ignoring the email also prevents inadvertently engaging with a potentially harmful source, which is critical, as replying to the email or clicking on any links can lead to further security breaches or data theft.

In contrast, replying to the email for clarification could expose you further, as it may confirm to the sender that your email address is active. Opening links to assess safety might lead you to malicious websites designed to steal your information. Discussing the email with someone knowledgeable does provide an additional layer of support but does not address the immediate security risk posed by the phishing attempt. Hence, taking action to secure accounts by changing passwords and ignoring the suspicious communication is the most logical initial response.