Hello @Rick Harting
If you didn't cancel the subscription yourself, first sign in to your Microsoft account and check Services & subscriptions to see the actual status of Microsoft 365. This can help determine whether the subscription has expired, been cancelled, or has a billing issue.
Even when the card is valid, Microsoft notes that renewals can fail because of an expired payment method, declined transaction, billing-information mismatch, or other payment issue.
If the subscription shows Active online but Word/Excel still says it's cancelled, try signing out of Office and signing back in with the same Microsoft account that owns the subscription. Also check File > Account in an Office application to make sure a different account isn't being used.
If the Microsoft account itself shows the subscription as cancelled and you don't recognize the cancellation, you'll need Microsoft Support to review the subscription and billing history. This is account-specific information that community members can't access.
Avoid posting your order number, card details, or other billing information publicly in the thread.
Please "Accept the Answer" if this information helped you. This will help us and others in the community as well.