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phishing is "fishing". Fishing for information. These "spam" mails appear to be the real thing from the companies whose credit cards and bank accounts they are targeting.

The "Phishers" are sending emails that look like legit mails from your bank or ISP or some other company, giving you remarks about how your "billing information is in need of updating" and then they have you click on a link that will take you to a "home page" for the "company". In fact, the home page will ask you things about your credit card information and try to get you to give them information regarding your account so they can gain that information and use it for illicit purposes.

A word of advice from a real security specialist in this area... DO NOT RESPOND to any of them (this goes without saying, but, thousands of people are hoaxed every year by this crap).... As someone stated in a previous note, the FBI is not really interested because they figure most of us have the common sense NOT to respond. Most of us don't, but there are those who aren't sure about it and respond anyway, giving away the keys to their credit cards, bank accounts, and many other things. Ok, is that explnation helpful?