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1.
If you see a message that says "Your account has been disabled in the App Store and iTunes", there is a problem with your payment method on your account, to resolve the problem you need help from Apple support, click -> contact Apple Support for help.
2.
If your Apple ID is locked or disabled -> If your Apple ID is locked or disabled - Apple Support (CA)
-> Get a verification code and sign in with two-factor authentication
Get a verification code and sign in with two-factor authentication - Apple Support
3.
Add a payment method to your Apple ID -> Add a payment method to your Apple ID – Apple Support (UK)
If you want to change your card, you need to add first the new card, then remove the old card.
4.
If you need to change or update your Apple ID payment method
If you need to change or update your Apple ID payment method - Apple Support
5.
Remove a payment method from your Apple ID
Remove a payment method from your Apple ID - Apple Support
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If you can't remove a payment method
If you have subscriptions like iCloud+, have an unpaid balance, or you use purchase sharing, you must keep at least one payment method on file.
6.
Payment methods you can use with your Apple ID
Payment methods you can use with your Apple ID – Apple Support (UK)
fyi: Not all credit & debit cards seem to work with App Store / iTunes Store, try a different one, or preferably a credit card. If your card is not accepted as a paymenf method, you need to contact your bank.
If you update your payment method or add funds to your Apple ID balance, It would take about 1 to 3 business days in order to process.
If you have followed all the steps and instructions and if you still need help, get more help and assistant from Apple directly, see Contact Apple for support and service -> Contact Apple for support and service – Apple Support (UK)