my iphone is not excepting simcard and saying sim locked by carrier lock so it tells to ask apple for help please fix
Only the carrier to which it is locked can unlock it. Apple cannot.
Click on the link to read the article on "How to unlock your iPhone for use with a different carrier" - http://support.apple.com/HT201328 - Only some carriers offer the ability to unlock iPhone for use on any carrier. Follow the instructions in this article to unlock your iPhone.
If you're in N. America:
iPhone: Wireless carrier support and features in the USA and Canada - https://support.apple.com/HT204039 - including a list of which ones offer unlocking.