billing problem with previous purchase

No one here has access to your account details. No one here works for Apple.

You need to speak directly to Apple to resolve a defaulted purchase payment.

1-800-MY-APPLE

M1 Mac mini, macOS 13.2; Watch, series 7 GPS/cellular, watchOS 9.3; iPad Pro 2nd Gen, iPadOS 16.3; iPhone 12 Pro, iOS 16.3; TV 4th Gen, tvOS 16.3.1; HomePods, audioOS 16.3.1 and Airport Express w/ Airplay 2

If you have followed all the steps and instructions in Related Article: If a message says 'billing problem with previous purchase' or 'verification required' and if you still need help, get more help and assistant from Apple directly, see Contact Apple for support and service -> Contact Apple for support and service – Apple Support (UK)