Hi NitroCide,
Thanks for reaching out to Apple Support Communities. It sounds like you're having an issue with payment for iCloud. We're happy to provide some information to assist.
We recommend starting with the steps here: Change, add, or remove Apple ID payment methods
Specifically the section that states:
Try updating to the latest version of iOS or iPadOS or macOS.
If you have subscriptions, have an unpaid balance, or share purchases with your Family Sharing group, you can't remove all payment information. Get help if you want to use no payment method with your Apple ID."
Should you need to cancel a subscription the steps here will help: How to cancel a subscription from Apple
If you continue to have any issues, contact Apple Support directly here: Contact Apple Support
Best!