my phone won’t update

mordechai240,

you're not addressing Apple here. This is a public user to user tech support forum, and we're just users like yourself.

That being said, it's very unfair to jump into a thread (with different subject) and talk about your personal problem, ignoring the original poster's question and related answers.

If you have or had problems about payments, contact iTunes Store and explain your needs, filling out and submitting this form: iTunes Store – Contact Us – Apple Support

Thanks and regards

Giulio

I’m afraid you are not talking to Apple, this is a user to user forum, and as another user I’m just trying to help with updating software the OP’s device.

If you have a financial issue then may I suggest you contact Apple direct, this link may help with the correct country number (select your region). They should be able to direct you to the relevant department.

Contact Apple for support and service - Apple Support

Have a read through this regarding the use of Recovery Mode.

If you can't update or restore your iPhone, iPad, or iPod touch - Apple Support

Apple

I understood that I had to fix the problem. I called American Express and asked them to re-open the payment and allow you to receive the cost every month and they agreed that they would take care of the problem and not stop the payment and now you need to send them your monthly invoice and they will pay you no problem so please record it right away thank you very much