im trying to add a new payment method. when i go to delete my current card the "add payment method" box is greyed out and wont let me tap it

If an app or feature on your device is not working, not appearing, or is restricted (grayed out), it may have been disabled using Screen Time, or by an IT administrator if you are using a device owned by an employer or educational institution.

- Read this document about using Screen Time on an iPhone, iPad, or iPod touch --> Use Screen Time on your iPhone, iPad, or iPod touch - Apple Support

Tap Settings > Screen Time > Content & Privacy > scroll to Allow Changes.

- If the device is managed (Settings > General > VPN & Device Management), contact the IT department that is doing the managing.