Why Not Let Us Use Diffent Payment Methods Then Just Citizens One?

im a part of the PCMR but i was hoping to take use of the xbox series x installment plan. but cant cuz the one method u guys have is citizens one and my father witch was willing to do this cant now cuz he cant use what he has set up for YEARS now. for
wanting a xbone in every home u guys r knee caping alot of ppl by doing this.

:)