Flex pay Eligibility

I have been a  customer of HSN since 2012. I recently made a purchase on flex pay with no problems. This past weekend I made another purchase on flex pay, or so I thought. I logged into my account to check the status of the order and discovered that it was canceled. The money had already been debited from my bank account. I figured that maybe I had accidentally canceled it myself but I chose to wait and deal with it later due to being too busy at the moment, I homeschool my four children. A day later I log back into my bank account to see if the money had been credited back to my account. It had not so I called HSN customer service and was told that the order was canceled due to flex pay eligibility. I was taken completely by surprise. The rep said that she didn’t know why and that I should be able to purchase a lot more due to my good history with them and the length of time that I have been a customer or I should say that she agreed with me and was also confused. She sounded very sympathetic and apologetic. I was given a number to call their Flex Pay department and their verification department. So I called the flex pay dept. first. I was told that they didn’t have access to my personal info and therefore could not tell me why I am not eligible for flexpay. The item I was trying to purchase was a Playstation 4 with 4 flex payments of $144.00. When I paid the initial amount I was charged $194.00. Now I have to wait another 72 hours for my money to be released back into my account. It has already been three days. I am more upset and disheartened because I could always depend on them, especially during Christmas. Now I am afraid that I might not be able to get my son what he really really has his heart set on. I have even ordered some games elsewhere for the Playstation 4 . I never would have foresaw being done like this after being a loyal customer to HSN. It is a shameful way to treat a good customer. I understand that businesses have to be careful with how they give out credit, that is responsible and smart. I still think that they should at least look at each customers account and history seperate from other outside factors. Just because a person gets in a situation with another company that is completely separate from any other accounts that person has is no reason to treat them as unworthy and a risk. Every situation is different. Unfortunately, when it comes to finances and credit worthiness, it is not seen in that light.