I’m not allowed to purchase apps on my iPhone, yet need one for my work. What should I do

How is it disabled, is this a work phone with MDM on it? If so, contact your company's IT department.

If your account is disabled in the App Store, look here -

If a message says 'Your account has been disabled in the App Store and iTunes' - Apple Support

I’m trying to to set up an app and the app needs to to take out few dollars from my card link to the payment method but they say they can’t complete it that’s should contact the support

Click on Get Support in the upper right hand corner of this page.