i need help to remove a payment method

See -> If you can't remove a payment method from your Apple ID

If you can't remove a payment method from your Apple ID - Apple Support

my account wont let me delete a bad card

After read -> Related Article -> Change, add, or remove Apple ID payment methods ?

Then try to Sign in to your Apple ID account page and edit your Apple ID details.

https://appleid.apple.com

On the Sidebar click Payment methods -> then tap Payments Methods and tap Manage payment method.

I can’t delete a payment method.