Credit Cards not working with apple pay

I recently upgraded my phone from the 11pro to 13pro and mow I'm having issues with my apple play. It keeps saying that the credit card I have on file has declined and now my AppleTV subscription has halted. My card works when I use it to buy items online and in store--so the card isn't the problem.

Things ive tried:

1. I tried deleting the card to re-add but it won't let me because of an active subscription. I don't have any though, unless iCloud counts as a subscription.
2. I tried adding a different credit card, but it won't let me link the card. It just says "Payment Not Completed" when It asks me to double click.

I'm really worried about my iCloud subscription being disrupted because of this.

any advice?