I cant update anything unless i enter a payment method
I can't update apps without entering a payment method. Including the app store.
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Unless you have a NONE option in the payment methods, you usually have to have a valid payment method entered in your account details. Even for free apps or to update apps.
M1 Mac mini, macOS 12.4; Watch, series 5 GPS/cellular, watchOS 8.6; iPad Pro 2nd Gen, iPadOS 15.5; iPhone 12 Pro, iOS 15.5; TV 4th Gen, tvOS 15.5; HomePods, audioOS 15.5 and Airport Express w/ Airplay 2