Changing my region

If the card is billed to your friend in the USA you would have to change your store country to the USA. In doing so you would have to cancel all subscriptions.

From: Payment methods that you can use with your Apple ID; click here --> https://support.apple.com/HT202631

"Make sure that the billing address for your payment method matches the billing address for your Apple ID. In some cases, you might need to call your bank or financial institution to authorize international or online purchases. You might also need to confirm that the mobile number associated with your payment method is correct."

You apparently can use a card issued in a different country but it has to be billed to you at an address that is in the country to which your iTunes and App Stores are set. This requirement makes it difficult to use a card from a different country.

This article describes how to change your country setting and the requirements and results of doing this:

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

I'll note:

The sections below are copied from the USA Apple Media Services Terms and Conditions document but I suspect they are very similar for all versions of this document --> https://www.apple.com/legal/internet-services/itunes/us/terms.html - Last Updated: September 16, 2020

"Our Services are available for your use in your country of residence (“Home Country”). By creating an account for use of the Services in a particular country or territory you are specifying it as your Home Country."