Unlink a bank card
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If your billing account's payment method is by Bank card, you can unlink the bank card yourself in Yandex ID. Then it will automatically unlink from all Yandex services, including Yandex Cloud.
If no bank card is linked to a billing account when it is debited, Yandex Cloud locks the billing account by making it SUSPENDED. More about billing account statuses. After your account is locked, you will receive an email at the email address specified in your Yandex or Yandex 360 account. It will contain detailed instructions for restoring access.