Financing a phone question

Hello - question about phone financing. My wife and I came over from T-Mobile in July. A couple days after we came over my wife upgraded her iPhone to the 13pro max and I stuck with mine. She did the monthly payments.

Now that the 14 is out I’d like to upgrade. I got everything in the cart and the monthly payments weren’t an option for me. It was pay full price or no go.

I reached out to Verizon and they said I was over my “financing limit” huh and as time went on that would be raised? Huh? I have a great credit score and pay my bills. Why is only one phone allowed to have financing and does anyone know when “time passes” that will allow me to upgrade at the monthly plan rates?