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Finance cap off

I have been with Verizon for 16 years and always paid my bill.  I currently have 4 phones financed and they are more than half paid off.   I am needing to upgrade mine but apparently I will exceed the account finance amount.   so ridiculous..... especially when i am trading in my phone and getting 800.00 to go towards it leaving me only a few hundred to finance.   But yet I should pay this up front??? why so you would have to owe me that money back?? Makes zero sense.