You never would want to delete an OpenAI account. Doing so means you can never use that phone number again to create another account.
If you are on a monthly payment plan, that actually is desirable and convenient. That is what is displayed in the screenshot above, a pay-as-you-go (post-paid billing) legacy account, where a credit card has already been entered.
A pay as you go plan can be made eligible for gpt-4 access by actually incurring billing to the card after the end of the month from use (OpenAI currently doesn’t bill for small balances, like under a dollar). After then being seen as a paid user, you will likely get access shortly after.
One can “cancel payment plan”, and then you’ll likely be only offered the ability to buy pre-paid credits, of $5-$50. Once doing so, there is no going back.