reviewing my apple id

It would help if we knew the exact wording of the error message you are seeing.

Use the document Add a payment method to your Apple ID - Apple Support to review your payment methods such as credit or debit cards.

On a mobile device:

1. Open the Settings app.

2. Tap your name.

3. Tap Media & Purchases, then tap View Account. You might be asked to sign in with your Apple ID.

4. Tap Manage Payments.

Check there are not any problems with your payment method. They will usually appear in red lettering. If there are, make sure what you have entered is correct. If it is, contact your financial institution. Problem methods will usually have a notice in red lettering below them. The article: If your payment method is declined in the App Store or iTunes Store - Apple Support has some information about declined payment methods.

If you cannot see a reason for a problem and you have contacted your financial institution, you may find the fastest route to resolution would be to contact Apple for assistance with this.

To contact Support, do this:

1. Click on this link --> Choose your country or region - Official Apple Support

2. Select your country

3. Select: Billing & Subscriptions

4. Select: Subscriptions & Purchases

5. Select: Update payment method

6. Select a chat session or a phone call.

See -> If you've forgotten your Apple ID email address or phone number

If you've forgotten your Apple ID email address or phone number – Apple Support (UK)

• Tap Settings, then tap your name.

B T W:

You are sign in here .  .  .  with your Apple ID & Password.

Your Apple ID is the personal account you use with all Apple products and services. It includes the email address and password you use to sign in, as well as the contact, payment, and security details that you use with Apple.

You can’t merge multiple Apple ID accounts.

What happens when you use the same Apple ID & Password that you use to sign in here?

See the following Apple articles

Sign in with your Apple ID -> Sign in with your Apple ID - Apple Support

Manage and use your Apple ID -> Manage and use your Apple ID – Apple Support (UK)

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 iPhone 4s, iOS 9

Is an outdated iPhone  > 11 years & can’t be update to a higher iOS.

Have you bought 2nd hand iPhone?, you must contact the previous owner / seller.

You can also contact Apple support for help, -> Get Support (apple.com)

You have to show proof of ownership of your product, provide all documentation showing your purchase of the device.

If you do not have additional proof of ownership, contact the reseller. They may be able to provide the original purchase document.

Once Apple receive your proof of ownership, Apple will further review your request and provide an update.

See also -> Keep your receipt after you buy an Apple device

Keep your receipt after you buy an Apple device – Apple Support (UK)

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Ask your money back if possible, perhaps you have bought a stolen iPhone.

If you can't get in touch with previous owner / seller, you can't use the iPhone, then recycle the iPhone.