You haven't lost access to those cards you got. Whenever you level up, the minimum card requirements for every item increases. It sounds like you did level up your account (this happens automatically as you earn XP from purchasing golfers, hats and ball levels) and the card-count for some of the items you had planned to get also increased.
You still keep the cards you earned, but it does mean you'll need to get a few more cards to purchase those items.
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