Before I download messages, I always first check the full letter head. From the letter head, I can tell the following email was sent automatically from my own computer:
avast! Antivirus: Inbound message INFECTED:
\creditcard.exe (Win32:Netsky-C [Wrm]) was deleted from the message.
I'm using Avast Home Edition, Standard Shield, P2P, Internet Mail all running, all set to High, and scan at least once a day. No damage to my own system is found yet, but I'm afraid my contacts may receive viruses from me.