Could NOT upgrade/finance Long Time Customer

I tried to upgrade my phone for the second time today and was not allowed to finance it. I had to pay it in full. I am not sure why they supposedly review your account every six months which I’ve never been laid on a payment not one time my account is set up on auto pay for over four years now, but this is the second time now that they are saying I am eligible to upgrade my phone, but only if I pay in full. I am a loyal customer who pays on time so I just don’t understand. It is not time to say Goodbye. I also have had Xfinity Internet for at least 10 years. Which is also on auto pay for now. ✌️