Hello kyliealyssadickerson,
Apple will attempt to charge the payment method your have on file for your Apple ID for your Apple Music subscription. If they're unable to charge your card due to insufficient funds, your subscription won't renew until they are able to charge your card.
If there's a problem with the primary payment method, or if the primary payment method can't be charged for the full remaining amount, Apple attempts to charge your other payment methods in order from top to bottom. If none of them can be charged, Apple might try again.
Learn more about subscriptions and how they are billed here: How apps, content, and subscriptions from Apple are billed - Apple Support
If you need further assistance, you'll want to contact Apple Support directly. This link will help you get started: Contact - Official Apple Support
Take care.