HT204230: System requirements for iCloud
Learn about System requirements for iCloud
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Helpful answers
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Jan 12, 2016 8:49 AM in response to Dweezalsmomby John Galt,Verify or update your payment information by following these instructions: Change or remove your Apple ID payment information - Apple Support
One method it describes is to log in with your Apple ID here: https://appleid.apple.com/. Click the Edit button in the Payment section.
Also, read iCloud storage upgrades and downgrades - Apple Support