Apple has my credit card info but has not activated my subscription. What am I doing wrong ??

Subscription to what exactly?

Apple will not themselves activate a subscription. Its up to you to actually subscribe.

Where does Apple have your credit card info?

Have you checked your subscriptions? Link-> How to see a subscription from Apple - Apple Support

Contact iTunes Support for assistance. See the Apple Support articles below for contact information.   

iTunes Support – world wide   -

Apple Support schedule phone call     -

Billings and Subscriptions   -

If necessary, try Twitter

https://twitter.com/AppleSupport.   -