 asking you to click on the link, pay your bill in order to avoid this late fee. And if you log on and you pay the bill, you're 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 that you've received that says, you have a late fee coming, pay your bill.