It used to be in Marriott's best interests to get as many people to finance through them at their high interest rates- hence, they offered the point incentives. Now, with the credit crunch, borrowing money is more difficult and not the money-maker it once was- hence, they are trying to discourage people from continuing to finance through them to free up cash. Many people will likely seek other financing if Marriott no longer makes it attractive to finance through them, which will improve Marriott's cash flow.