email that says my credit card on file has issues
I got an email from Apple saying there is a problem with my payment method.
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I wouldn't click on a link in an email. Too much phishing looking very like an email from Apple. Check directly with this method:
This document explains how to 'Change, add, [review,] or remove Apple ID payment methods' on an Apple mobile device, a Mac, or a PC; click here --> https://support.apple.com/HT201266
Issues will have red lettering.
FYI:
Identifying legitimate emails from the iTunes Store - http://support.apple.com/HT201679 - lacking in specifics, the next link is better:
Recognize and avoid phishing messages, phony support calls, and other scams - https://support.apple.com/HT204759
Still, the safest method is just to use contact methods on Apple's web site rather than hoping you aren't up against some expert scam.