It won’t let my download my apps from the cloud. And it says to update my payment method and it never works.
My App Store won’t let me get my apps from the cloud nor we my payment method ever work.
If you want to make purchases or update / download apps, including free apps, you need to update your payment method or add a new one.
See also 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)
Add money to your Apple ID balance
Add money to your Apple Account 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.
Click here for more support and assistance.