Yes good option payment method

You have to use a payment method accepted in the country to which your Apple ID store is set. So if you you live in the Philippines you need a payment method valid there. Depending upon your settings you may need to change country settings:

Read how to "Change your Apple ID country or region" click here --> https://support.apple.com/HT201389

This document explains how to 'Change, add, or remove Apple ID payment methods' on an Apple mobile device, a Mac, or a PC; click here --> https://support.apple.com/HT201266

- If you are updating an old card and have ongoing subscriptions you may need to first add the new card and make it the primary payment method before deleting the old card.

If you still have problems Click here --> https://support.apple.com/choose-country-region/media-services Select your country, then a product. If you don't see one that handles your issue then keep experimenting with selections until you reach one that gets you a chat session or a telephone call and get the representative to redirect you.

or:

Contact Apple for support and service --> "See a list of Apple phone numbers around the world." - https://support.apple.com/HT201232

Additional resources:

'If you can't remove your last payment method or use no payment method with your Apple ID' click here --> https://support.apple.com/HT203905

'If your payment method is declined in the App Store or iTunes Store' click here --> https://support.apple.com/HT203005