Why is it saying my App Store and iTunes have been disabled

This is primarily a user-to-user support forum; other Apple users like you. You will need to contact Apple Support. See instructions in: If a message says 'Your account has been disabled in the App Store and iTunes' - Apple Support

There's a problem with your payment information which can't be fixed from your end. Click here and contact Apple Support at a time they're open; if the link doesn't have an option for your country, use this form.

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