Very disappointed Customer

I am extremely disappointed with Absa Vehicle Finance. I have been a loyal customer for Seven years and have never missed a single payment. Now that I want to downgrade to more affordable vehicle, I am being told I cannot afford it.

How is it possible that I could afford a higher installment, but not a lower one? It simply doesn't make sense. Surely it is safer and more responsible for me to move to a lower installment rather than remain on a higher one.

Please help me understand this decision, unless Absa is concern it will loss out on interest.

Absa's strategy emphasizes customer centric. Can you please explain how this decision aligns with that commitment.