iphone has lost contacts
I have an iPhone XR. I have to save a lot of contacts for my business and work, and need to be able to retain them for years. However, recently many years worth of contacts have disappeared from my phone. I know this next statement will be obvious to many, but just to be clear, what this means practically is that my list of text messages is just numbers (instead of the contacts I saved them to) and I can't find people to call them, and when people call me I don't know who they are. I have iCloud backup for contacts turned on, but when I go to iCloud.com and check data recovery, there's absolutely no archived data to restore (contacts, calendars, files, bookmarks). I've been using iPhones for more than a decade, and I've had iCloud backups active for as long as I can remember, so I have no idea how there can be no archives. It's hard to know for sure, but I think it's about the last 5-7 years worth of contacts are gone, so a few phones ago. One possible cause I can think of is I recently change payment methods for iCloud, and that caused an issue whereby my 200Gb subscription stopped for a bit, but surely Apple doesn't just delete all your data from your iCloud and then also go into your iPhone to delete your contacts? All my pictures were still there for example. Does anyone know how I can get back these missing years worth of contacts? Please and thank you.
iPhone XR