How you take off payment method off phone when it’s only one up there

Hi evony112,

Welcome to the Apple Community,

where some of us do our best to help each other troubleshoot.

Apple support have a couple of articles online that can help guide you:

Change, Add or Remove Apple ID Payment methods

https://support.apple.com/en-us/HT201266

or

If you can't remove your last payment method

or use no payment method with your Apple ID

https://support.apple.com/en-au/HT203905

Hope this works for you :-)