Hi zyanya96,
Welcome to the Apple Community.
Sorry you are having such a time of it.
Your Apple ID is the account you use to access Apple services,
like the App Store, Apple Music, iCloud, iMessage, FaceTime, and more.
It includes the email address and password you use to sign in,
as well as the contact, payment, and security details you use across Apple services.
First:
Check the payment methods that you can use with your Apple ID:
(Scroll down to find your country or region)
https://support.apple.com/en-us/HT202631
Then:
How to create your Apple ID if you do not have one::
https://support.apple.com/en-au/HT204316/
Now you can:
Change, Add or Remove Apple ID Payment methods
https://support.apple.com/en-us/HT201266
AND / OR
Upgrade to iCloud+
https://support.apple.com/en-au/HT201318
Hope this helps :-)