Apple telling me to update my billing info but doesn’t work / Apple charging me without authorisation

Apple Support Community does not have access to your personal or financial information. The amount that is attempting to be charged may be an old, unpaid subscription etc. It looks like the card could be expired. Apple wants the charge paid before you can remove the card.

I understand you don’t want to pay it. If you contact Apple support in your country or region you may be able to get them to remove the charge. If you don’t want to contact Apple, I understand. The only other way is to pay the charge and then dispute the charge to get your money refunded.

Choose your country or region - Official Apple Support

I’ll try to answer by your numbers.

1) Good information, very helpful.

2) The $30.98 charge sounds like possibly a subscription, but could be an app, gaming credits/coins/tokens etc. Have you determined who is charging you?

3) Here’s the issue. You can’t remove a payment source without adding a new source first. Once you add the new source the old source can be removed. But once the new source is added, it instantly is charged for the payment that was refused. Updating the old payment source will only work if it has funds to complete the payment. You are not being charged to update or replace your payment source.

Path to move forward. Add funds to current payment source and add the CVV (3 digit code) and be charged $30.98. Then request a refund from Apple if it’s for a subscription, game etc.

The same think will happen if you add a new card.

Request a refund for apps or content that you bought from Apple - Apple Support

Subscriptions and Billing - Official Apple Support

If your payment method is declined in the App Store or iTunes Store - Apple Support