How to substitute old card with new one
How to replace old card with reissued card for payment of Apple app’s purchase
iPhone XS, iOS 14
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See this support article:--> Change, add, or remove Apple ID payment methods - Apple Support
For any further help, please contact the iTunes Store Support Team directly, using this link:--> iTunes Store & App Store – Get support for various issues, and choosing: your country, then Apple ID, then iTunes & App Store. If your problem is not among the options shown there, tap/click on the option “the topic is not listed” and describe your issue.
Regards
Giulio