My account iTunes and Apple account have been disabled

Hi! Your IPhone is disabled?

Apple has made an article about it:

https://support.apple.com/en-us/HT204306

And about your payment issue..

You need to contact your bank, and get their advice.

Best Regards

Nicki

According to: If you see a message that says 'Your account has been disabled in the App Store and iTunes' - Apple Support

"When you see the message, don't try to edit any of your account information. Instead, contact Apple Support for help."