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.

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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.