i want to know what subscription are you charging me if i don’t have any active at the moment
If you do not have any subscriptions, you will not be charged.
Don't forget to check your In-app purchases subscriptions.
For sure you can check, see the following Apple articles:
View your purchase history for the App Store, iTunes Store, and other Apple media services
View your purchase history for the App Store, iTunes Store, and other Apple media services - Apple Support
How apps, content, and subscriptions from Apple are billed
How apps, content, and subscriptions from Apple are billed - Apple Support
and i would to know why i can’t use my card as a payment option on my billing address?
Sign in to your Apple ID account page and edit / update your Apple ID details.
https://appleid.apple.com
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.
If you update your payment method or add funds to your Apple ID balance, It would take about 1 to 3 business days in order to process.
If you're still unable to update your payment method, Contact Apple Support.
Click here for more support and assistance.