Hello DedeStunting,
Thanks for asking the Apple Support Communities about your Apple ID payment methods.
This article shows in your area those cards should work: Payment methods that you can use with your Apple ID - Apple Support
"Nigeria
Most credit and debit cards
Apple Account balance (from adding funds)"
If it's not working, you can try to check here: If your payment method is declined in the App Store or iTunes Store - Apple Support
Otherwise, you need to buy a gift card and add the funds, or reach out to the Apple ID Specialists to have them check your account: Get Support
Or call your local or closest country from here: Contact Apple for help with Apple ID account security - Apple Support
If none of those options work, you can try an email in this form, but they might need to refer you to one of the options above to get verified: Media Services - Contact Us - Official Apple Support
Thanks.