I need to change the credit card
I do not have the CVV for the credit card on file with this Apple ID, so how do I update the credit card.
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See this article about updating payment methods on various platforms: If you need to change or update your Apple ID payment method - Apple Support
"If you change your address, the credit or debit card information that you use with your Apple ID might be automatically updated by your financial institution, and you don't need to take action. But if there's an issue [such as you having a subscription or being a Family Sharing Organizer], add a new card first, then remove the old card."