Okay, I lost my credit card and it has been replaced. It was about to expire soon anyway, but my iphone will not allow me to remove te old card to enter my new card., What do I do?

See -> Remove a payment method from your Apple ID

Remove a payment method from your Apple ID - Apple Support

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If you can't remove a payment method

If you have subscriptions like iCloud+, have an unpaid balance, or you use purchase sharing, you must keep at least one payment method on file.

• Do you have a subscription? You can cancel iCloud+ and cancel other subscriptions from Apple. When your subscription period is over, remove your payment method.
• If you're in a Family Sharing group and you use purchase sharing, the family organizer must have a payment method on file. If you're the family organizer, turn off purchase sharing, then remove the payment method.
• If you have an unpaid balance, you might not be able to remove a payment method. Instead, change your payment method.
• If you still can't remove a payment method, contact Apple Support.

You have to enter your new one first, then delete the old one.

Hello ~ Have you tried to add the new activated card first and then remove the old one?

~Katana-San~

Hello again ~ It may make a difference if you leave your feedback here…

Product Feedback - Apple

Good work and I am glad you got it sorted.

~Katana-San~