I do not want to put my credit card on my phone I’ve already had credit card fraud and I just don’t want to put my card on my phone

You can use / pay with your Apple ID balance, see: Add money to your Apple ID balance

Add money to your Apple ID balance - Apple Support (IN)

See the following Apple articles: 

What you can buy with your Apple Gift Card or Apple ID balance

What you can buy with your Apple Gift Card or Apple ID balance – Apple Support (UK)

How to redeem your Apple Gift Card or App Store & iTunes gift card

How to redeem your Apple Gift Card or App Store & iTunes gift card – Apple Support (UK)

When redeeming a gift card, the amount will be credited to your (1) Apple ID balance and (2) you need to set your Apple ID balance as your default payment.

1.

See -> Check your Apple ID balance

Check your Apple ID balance – Apple Support (UK)

(2)

Change, add or remove Apple ID payment methods

Change, add or remove Apple ID payment methods – Apple Support (UK)

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.