Misdirection is normal business practice. For example, Quadpay/Zipco recently made a change where instead of appraising your credit independently for each of their plans, they calculate a total amount you're allowed to have in flight at any given time, and share that across everything. In their FAQ, there is an entry for "Is my purchasing power going down?" and the answer is some bullshit like "Your purchasing power is unified for a simpler and more streamlined experience bla bla" which doesn't actually answer the question. It's meant to defuse questioners without actually revealing that yes, total purchasing power did go down when they decreased the number of buckets that multiplied their appraisal. You're no longer allowed to pay a larger sum of money over a longer period of time - you get one amount that you're allowed over any term, and that amount of lower than what you could've been approved for before. Regardless of whether that's a good or bad decision (good for people with bad impulse control, for example), they are dishonest about it through lawyerspeak, which is the most standard business practice there is. You could argue that plenty of standard business practices are bad faith but I would say the capitalist idea of private corporations in the first place is bad faith.