After 1.5hrs phone call. The call disconnected just right now.
Oohh . . . , and she could not help you? or will she call back?
Try this from your iPhone:
Go to -> Settings -> tap your Profile -> tap Payment and shipping -> tap Add payment method -> then you can add another payment methode.
If you tap on an existing Credit Card -> scroll down -> then you can remove it.
I would add another card first and then remove the other one.
Check also here -> Payment methods you can use with your Apple ID
Payment methods you can use with your Apple ID – Apple Support (UK)