The full message is: "This request can't be made. Studio does not create sexual, violent, hateful or harmful images or video, or edits of real people that undress or sexualise them."
Every image and video prompt is checked before anything is made or charged, so no credits were used.
What to do
Rewrite the prompt without that content. If your request was innocent, a word may have been read the wrong way. Try describing the scene more plainly, for example the setting, the lighting and what the person is doing.
A related message
"The result was blocked by the safety filter. Try a different prompt." means the finished image was held back. Your credits were returned. Adjust the prompt and try again.