I have tried to add iTunes to my iCloud yet I can’t pay with that

Hello Richkid101,

On your iPhone, you can redownload apps from the App Store. For more information on how to do that check this out: Redownload apps and games from Apple - Apple Support

If you're not able to download or update apps, you can try the steps here: If you can’t download or update apps on your iPhone or iPad - Apple Support

These steps may help:

1. Manually update the app

2. Add a payment method

3. Resolve a problem with your payment method

4. Prioritize the download

5. Restart your device

If you still can't download or update apps, contact Official Apple Support.

Thanks.