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
-> If you still can't remove a payment method, contact Apple Support.
meanwhile $200 apple balance
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Yes you ou can use your Apple ID balance as payment method:
Add money to your Apple ID balance
Add money to your Apple ID balance – Apple Support (UK)
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Use a payment method, such as a credit or debit card, to add funds to your Apple ID balance. Then use your Apple ID balance to buy apps, games, music, iCloud storage and more.
If you want to add a payment method to your Apple ID instead of adding funds to your Apple ID balance, find out how to add a payment method.