I have $20Balance, why can't I call API without Payment plan

I’ve $20 balance, but I have no payment plan, I can’t call API( I’m trying Fine-Tuning). I was trying to restart the payment plan, but my Debit Card was declined.

below is the error I got:
openai.error.InvalidRequestError: The model ada:ft-personal-2023-08-31-07-29-08 does not exist or you do not have access to it.

Welcome to the forum,

For card declined issues, please see

https://help.openai.com/en/articles/7232916-why-was-my-credit-card-declined

If you have further queries, please use OpenAI Help Centre in the bottom right corner is a message icon. image click the icon and enter your issue, the bot will take your details and a member of the account support team will get back to you, it may take several weeks due to the number of people currently using the system.

Call the models endpoint to receive a model list, and see if you have described the fine-tune model name correctly and it is available to your account with the exact name you show.

Now is not a good time for testing things or coming to a conclusion, as the issue might me more related to widespread issues currently taking place that are impacting many.