It doesn’t let me download apps
It doesn’t let me download apps on my phone and my Billing address it doesn’t let me change it
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See: Change, add, or remove Apple ID payment methods [mobile device, Mac, PC]
https://support.apple.com/HT201266
1. Open the Settings app.
2. Tap your name.
3. Tap Payment & Shipping. You might be asked to sign in with your Apple ID.
4. To update the address for a payment method, tap the payment method, then edit your information. Tapping the method should reveal details for that method including the billing address. You might need to enter the security code that's printed on your credit or debit card. If you see Apple Pay after the last 4 digits of the card number, go to the Wallet app to edit the card information.
5. Edit the method then tap Done
Older iOS versions may vary slightly in the way you get to a Manage Payments window to be able to select a particular card.
If an app or feature on your device is not working, it may have been disabled using Screen Time, or by an IT administrator if you are using a device owned by an employer or educational institution. See how to 'Use Screen Time on an iPhone, iPad, or iPod touch' by clicking here --> https://support.apple.com/HT208982