Hola quiero pagar icloud pero no me deja

1.

You can have a credit card / debit card on file and an Apple Account balance.

If you have set your Apple Account balance as your default payment method, your default payment method will be used first by Apple when you need to make a payment.

See -> Add a payment method to your Apple ID

Add a payment method to your Apple ID – Apple Support (UK)

• if you want to use your Apple Account balance, you need to set your Apple Account balance as your default payment.

If you're still unable to update your payment method, Contact Apple Support.

See also -> What you can buy with your Apple Gift Card or Apple Account balance

What you can buy with your Apple Gift Card or Apple Account balance – Apple Support (UK)

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• You can't use your Apple Account balance to send gifts or gift cards.
• If you use Family Sharing, your family members can't spend your Apple Account balance. Funds that you add to your Apple Account balance are only available to you. Find out more about how purchases are billed to your Apple Account balance.
• Some purchases might require you to have a credit card on file, even if you use your Apple Account balance to make the purchase.

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2.

If you want to pay with your CC on file:

Sign in to your Apple ID account page and edit / update your Apple ID details -> https://appleid.apple.com                                                     

• On the Sidebar click Payment methods -> then tap Payments Methods and tap Manage payment method.

See also -> Payment methods you can use with your Apple ID

Payment methods you can use with your Apple ID – Apple Support (UK)

fyi: Not all credit & debit cards seem to work with App Store / iTunes Store, try a different one, or preferably a credit card. If your card is not accepted as a paymenf method, you need to contact your bank.

If you still need help, get more help and assistant from Apple directly, see Contact Apple for support and service -> Contact Apple for support and service – Apple Support (UK) 

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3.

Then see the following Apple articles:

Upgrade to iCloud+ -> Upgrade to iCloud+ - Apple Support

iCloud+ plans and pricing -> iCloud+ plans and pricing - Apple Support

How to use iCloud on iPhone -> How to use iCloud on iPhone – Apple Support (UK)

Manage your iCloud storage -> Manage your iCloud storage - Apple Support

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FYI:

If you have upgraded iCloud storage, once your request for iCloud+ has been activated, you should receive an invoice in your email box.

Check -> Go to -> Settings -> your name -> iCloud -> if you see 50 GB (or 200 GB or 2 TB) then you have an iCloud subscription.

If you have an iCloud subscription, you will receive a monthly bill from Apple, check your email box.