I’m trying to upgrade my storage plan. Right now I’m on the 50gb and pay $.99

Hi maryjane59

welcome to the Apple (user-to-user) Community.

Re: "I’m trying to upgrade my storage plan".

Apple Support have a short video online that may be helpful:

https://www.youtube.com/watch?v=RcqL6JqyJQQ

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Else:

How to: Upgrade to iCloud+ - Apple Support

or

How to: Get more help with iCloud - Apple Support

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Re: "it is declining my request. This is the only way I pay my monthly renewals. What can I do?"

Seems you already have a payment method set-up ?

What to do: If your payment method is declined in the App Store or iTunes Store - Apple Support

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Re: "Can I set it up directly thru my bank? This why I use PayPal because it goes directly through my bank"

Your Apple ID is the account that you use to access all Apple services and make all of your devices work together seamlessly. ie: The Apple ID gives access to the App Store, iCloud, iMessage, Apple Music, Apple TV+ and more.

You can check the payment methods that Apple can accept in your country or region:

(ie: See if PayPal is still accepted)

Payment methods that you can use with your Apple ID - Apple Support

What to do: If you need to change or update your Apple ID payment method - Apple Support

If needed:

Subscription & Billing Support Website ... eg: You might want to reach out for info / help / support / contact:

There is a "Get Support : start now" link (online chat, phone, eMail etc) at the bottom of their wepage (link below):

Subscriptions and Billing - Official Apple Support

All the best :-)