(Provide estimated pricing of phone like down and monthly to cx)

It looks like your available device credit balance can't fully cover the full price of the device for financing which is why there's a down payment.

The down payment requirement allows you to benefit from these devices while still keeping your monthly payment manageable. Several factors were consider aside from the phone's full cost price and we require a down payment for pretty much all customers regardless of credit although how much varies.

Factors such as credit, account history, account tenure, payment history are also considered when coming up with how much down would be required for a phone.

THEN RECOMMENDATION 

What we can do is we can endorse your account for the Smartphone Equality program for zero to low down payments in the future as long as you continue to be a good payer on the bills. Will that be fine with you?