Try to download an app to my iphone it says my account is disabled

For some reason when I try to download apps to my iphone, even free ones, it will not let me because it says my account is disabled..why would that be? how can i fix it? I have a credit card on my account that I know is active?

They most likely do not know. A number of us are experiencing the same trouble. It is particularly infuriating since this involves our MobileMe accounts. Something must be going on with iTunes servers this holiday season. Perhaps they are getting hit by cyberattacks.
See this thread to see if you may fit in here...
The folks in this discussion thread
http://discussions.apple.com/thread.jspa?threadID=2667154
are having the same problem.
And this one too:
http://discussions.apple.com/message.jspa?messageID=12814756#12814756
and this one:
http://discussions.apple.com/thread.jspa?threadID=2689849&start=0&tstart=0
Good luck!

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