I can’t even use my Apple ID to purchase anything
I can’t replace any of my card from my wallet
iPhone 12 Pro Max, iOS 15
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Have you try this? -> Tap Wallet -> tap on a card in Wallet -> tap the three dots (top right) -> scroll down -> Remove this card.
See also ->
Change payment method -> Sign in to your Apple ID account page and edit your Apple ID details.
On the Sidebar click Payment methods -> then tap Payments Methods and tap Manage payment method.
Change, add or remove Apple ID payment methods
Change, add or remove Apple ID payment methods – Apple Support (UK)