I did not give authorization to have it on file.
You have added your card, linked to your Apple ID as a payment method.
***** Or someone else has access to your Apple device(s), Apple account, etc.
You can remove that card, but you need to have a payment method on file, If you want to make purchases or update/ download apps, including free apps.
See the following Apple articles:
Payment methods you can use with your Apple ID
Payment methods you can use with your Apple ID – Apple Support (UK)
Change, add or remove Apple ID payment methods
Change, add or remove Apple ID payment methods – Apple Support (UK)
Add money to your Apple ID balance
Add money to your Apple Account balance – Apple Support (UK)
***** Check ⤵️
If you think your Apple ID has been compromised
If you think your Apple ID has been compromised - Apple Support
Security and your Apple ID
Security and your Apple ID - Apple Support
See who has access to your device or accounts
See who has access to your device or accounts – Apple Support (UK)