Unable to update my Apple ID payment method

The Add Payment Method is light Grey (the link is not active) and the Edit is also light grey, thus not active to click on. I can click on my cancelled credit card but even when I click on that, the edit is still light grey.

When I try to add a new payment method... it doesn't work

That has been done with no change.

gone to shipping and payment in Apple ID and can’t update there.

Gone to screen time and everything is allowed and no change.

this is my device. Not managed by anyone but me. Now, with that said, does family sharing cause issues????

See this article about updating payment methods on various platforms (iPhone, Mac, etc.): 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."

Here is how you update your payment method on an iPhone or iPad:

1. Open the Settings app.

2. Tap your name.

3. Tap Payment & Shipping. You might be asked to sign in with your Apple ID.

4. Tap Add Payment Method, enter the new payment method, then tap Done.

5. Tap Edit.

6. Tap the red delete button next to the old payment method, then tap Delete.

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 support article If your Apple ID or other options are greyed out in Settings —> If your Apple ID is greyed out in Settings - Apple Support

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

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

Unfortunately "doesn't work" does not tell me very much. I have a car that doesn't work but is it because the battery is dead, it is out of gas, the tires are flat, the key is missing, etc.

When posting here it is best to provide a description of what you are trying and what is happening to make you think it isn't working. Include the exact wording of any error messages as those are frequently diagnostic of an issue.