The message may explain there is a problem that requires you to "verify" of information by clicking on the displayed link and providing information in their form. The link location may look very legitimate with all the right logos, and content (in fact, the criminals may have copied the exact format and content of the legitimate site). Because everything looks legitimate, you trust the email and the phony site and provide whatever information the crook is asking for. These types of phishing scams often include a warning of what will happen if you fail to act soon, because criminals know that if they can get you to act before you think, you’re more likely to fall for their phish.