How can I block my Apple ID payment method
How can I block my Apple ID payment method
iPhone 12 Pro Max, iOS 16
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You cannot block your payment method, but you can remove it.
If you want to remove your Payment Method, you must cancel your subscriptions first. For example iCloud+, Apple Music or subscriptions you have made through apps from the App Store.
You can find a complete guideline on how to remove your payment method here:
Remove a payment method from your Apple ID - Apple Support