365 account gone

If the credit card issue caused the subscription payment to fail, the first check is whether the Microsoft 365 subscription now shows correctly on the Services page. If payment is current, status changes can take up to 24 hours to sync across Microsoft services.

Try this:

1. Open the Microsoft account Services page: account.microsoft.com/services.
2. Check whether the Microsoft 365 subscription shows as Active or Expired.
3. If it is active, sign out of Outlook completely, restart the PC, and sign back in.
4. If sign-in to the Microsoft account is failing, use the Sign-in Helper. It checks the email address or phone number being used and identifies common account problems.
5. If the account still cannot be accessed after that, use Contact Microsoft Support, enter the problem, select Get Help, and then Contact Support.

If the issue is only in Outlook and the mailbox has stopped updating, that can also happen when the subscription or account connection is not fully restored yet after a billing problem.

References:

• Problems renewing a Microsoft 365 subscription
• Office error "Account Notice: We've run into a problem with your Microsoft 365 subscription"
• Why am I still getting 'account problem' notices for Microsoft 365 after updating my credit card information and paying for my subscription? - Microsoft Q&A
• My Microsoft 365 Subscription Reactivation - Microsoft Q&A