 essentially paying a scammer like it's not actually a legit site you're putting in your credit card information your personal information but it's just it's a simple basic text message it's not super complicated but that's what can be even more misleading right it's just a simple pop-up that comes up you've received it says you have a late you have a late fee coming pay your bill it seems pretty self-evident if you see this and you kind of think it's suspicious don't act on it is that a good rule of thumb