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In fact I had one from Marks & Spencers the other day, warning me that there may have been some fraudulent activity on my M&S card, taking me over my agreed limit of £1000. Had a good chortle at that one. But I guess it's a common credit limit so it would work on the right people.
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Fishing.
Think of the number of fish that swim past your baited hook. But you just need one dumb hungry curious ill fated fish to make a dinner for you. Works the same for these phishers, except they can set thousands of baited hooks in thousands of ponds for the expense and trouble of a few keystrokes. It would seem to be a very lucrative, very easy career, leaving aside the violations to our moral and legal codes.