If I’m lucky someone will answer this before I wait over 2 hours for a service rep to reach me in the queue - especially if it’s just to tell me I’ve lost the option to pay monthly for a phone upgrade because TMobile has done a credit check on me.

Is creditworthiness the only reason the monthly payment option would disappear from the website’s upgrade process?

It would be nice is there was an explanation in the web pages so that I don’t have to search around to find out why.  

My thanks to whoever can advise.