My account iTunes and Apple account have been disabled

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."

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