I am trying to update my iCloud payment and I cannot get into the area to update it
I need to change the credit card to bill my iCloud and it doesn't have the option in settings on my phone
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👉 Sign in to your Apple ID account page and edit / update your Apple ID details.
On the Sidebar click Payment methods -> then tap Payments Methods and tap Manage payment method.
Or -> Change, add or remove Apple ID payment methods
Change, add or remove Apple ID payment methods – Apple Support (UK)
-> add first the new card, then remove the old one.
See also -> Payment methods you can use with your Apple ID
Payment methods you can use with your Apple ID – Apple Support (UK)