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I'm sorry to hear you find yourself locked out of your account. I suggest you contact Steam Support. Hope you get the situation resolved!
https://support.steampowered.com/
Check with your bank. If you have done a bunch of transactions it might have flagged fraud detection on their side.
You simply won't get a specific message telling you what the problem is. You will get a vague one because that's part of the security. If people gave out precise explanations of the error, it makes it easier for scammers and hackers.
There are two possibilities - it is either as Darren states, where your bank has an automated flag if too many attempts at payment pop up in a short time (and this is VERY common). Or it's Valve doing a similar thing.
YOu can easily rest this by ringing your bank to see if there's anything their end and if there is you can confirm and they will free it up.
If it's a prepaid card you need to go have a chat with the bank/institution that issued it, plus whoever you use for charging that card with money. Such cards are rife with issues where you think the money is on the card but it takes a week to get there so you do a transaction, the bank cancels the transaction, then the money gets to the card but it's too late you've already got a payment issue with a retailer such as Steam.
You are going to need to check whether there were any payment issues on the prepaid card, whether or not your funds are actually on it or not, and basically unwind exactly what has happened here.