story
Take for example item number three shared by both in the side bar: "Skip The Month" or "Skip any month".
This isn't the usual lowercase English word "skip", it is a special "Skip", short for special terminology "Skip the Month", their official term for actively declining within a five day window, not passively skipping a purchase. (The official terms and conditions[3] specify "Skip This Month" rather than "Skip The Month", but that may be another issue.)
Its meaning could be ambiguous if the reader is adept at incorporating new usages for words as they are being defined by the surrounding context. Or, the reader could skim the headings, or the reader simply lacked the reading comprehension skills to grasp that the meaning had changed in the text below the heading.
These challenges can be out of reach for a large majority of adults. Glance at the National Assessment for Adult Literacy[4], see the descriptions of the difference between "intermediate" (44%) and "proficient" (13%), and compare the difficulty of sample questions[5] with the comprehension level needed to grasp the message. (Complete reports can be found here: http://nces.ed.gov/pubsearch/getpubcats.asp?sid=032)
This extremely poor communication that never seems to happen when people benefit from their customers understanding what they are trying to say, and makes it pretty difficult to deny that their business is based on misleading people.
[1] http://i.imgur.com/3di93.png
[2] http://i.imgur.com/d02xmsy.png
[3] http://www.justfab.com/index.cfm?action=home.terms_and_condi...