I keep getting form is disabled

I have just made my second form and i cant get it to work. it keeps saying diabled.  I am on the free plan. I thought i had access to build unlimited forms.  I have checked the preferences and it all says enabled.  Can you please help.

Actually, you have been auto suspended because two of your forms has been created to collect a credit card information using our plain text fields. Please note that we do not allow this method. We consider that as phishing which is against our Terms of Use (http://www.jotform.com/terms/). 

I have reactivated your account, but I have deleted the credit card fields in the mentioned form. Please refrain from creating the same again. 

If you'd like to charge your clients at a later date, you can use our payment integration and enable authorization only. For example, Paypal.

This guide should help you configure the authorization only: https://www.jotform.com/help/292-How-to-Enable-Payment-Authorization.