Hi Lbscott,
We understand you're seeing a message that there's a billing problem with your credit card, and we can help. Here's how to confirm whether the email came from Apple:
Identify legitimate emails from the App Store or iTunes Store
If you find that the email is legitimate, here's how to update your payment information: If your payment method is declined in the App Store or iTunes Store
You may see an alert about a billing problem for a variety of reasons. For example, this could be due to a change of address or your card issuer sending a replacement card if they've suspected that some cards have been compromised.
Please let us know what you find and we'll work from there.
Have a great day!