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.
See also -> Payment methods you can use with your Apple ID
Payment methods you can use with your Apple ID – Apple Support (UK)
You can also use your Apple ID balance as payment method: Add money to your Apple ID balance
Add money to your Apple ID balance – 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.
Additional:
You need to have a good Service & Wi-Fi.
If they are On, turn Off Hotspot & VPN.
Charge the battery > 70%.