Weird Apple Pay Error

Last night I got a random email saying apple could not process my payment for my iCloud 200G account. This is odd as I have never had an issue and have money on the card used. Now my phone and iPad are giving me Apple ID suggestions to update payment details and information and I dint know how to get passed this. I don’t want to be reverted back to 5g as I need more and need to resolve this issue. Any help would be appreciated. Thanks.