My phone won’t let me delete or add a payment method
The problem I am facing is my phone or my laptop won’t let me delete a payment method or won’t even let me add one. The card I had was old and I no longer have
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Try adding the new card and removing the old one via https://appleid.apple.com/account/manage
If that also doesn't work contact iTunes Support and see if they can help you do it : http://www.apple.com/support/itunes/ww (click on your country's flag, the country where you live, and which is therefore the country on the account ; click on Contact Support towards the top right ; click on Get Help under 'Talk To Us’)