Credit card

if you want to use a different credit card, you might need to add the new card before you can delete the existing one.

see if this support article helps

Change, add, or remove Apple ID payment methods - Apple Support

viktorija19 Said:

"Credit card: What should I do if I’m not aloud to change or delete my credit card?"

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Add a Second Method of Payment:

Add a new method of payment, then remove this credit card. You need to have at least one method of payment assigned to your Apple Account. So, by adding a second one, you can then delete this card you speak of. If you have no other card, or want no card assigned to your account, then use a PayPal account, if an option in your area.

Check this link...

Change, add, or remove Apple ID payment methods - Apple Support