After I hit payment and shipping, it is not letting me edit the credit card, why?

See -> If you need to change or update your Apple ID payment method

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

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Update your payment method on your 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.

See also -> Remove a payment method from your Apple ID

Remove a payment method from your Apple ID - Apple Support

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If you can't remove a payment method

If you have subscriptions like iCloud+, have an unpaid balance, or you use purchase sharing, you must keep at least one payment method on file.

• Do you have a subscription? You can cancel iCloud+ and cancel other subscriptions from Apple. When your subscription period is over, remove your payment method.
• If you're in a Family Sharing group and you use purchase sharing, the family organizer must have a payment method on file. If you're the family organizer, turn off purchase sharing, then remove the payment method.
• If you have an unpaid balance, you might not be able to remove a payment method. Instead, change your payment method.
• If you still can't remove a payment method, contact Apple Support.

If you still need help, get support from Apple directly -> Get Support or call Apple in your region see -> Contact Apple for support and service or check -> here for more support and assistance.

I can’t use my card to purchase on Apple iPhone why

Why l can’t edit my payment method on payment and shipping? Pls help me

Are you in a family sharing group? Then it could be that only your family organizer can change or update the payment method