ok im looking on line and on my phone and i can not delete a credit card as it says i have a subscription i am not seeing one anywhere. can i get help

See -> 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.

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

Your default payment method will be used first by Apple when you need to make a payment.  

If you have set your Apple Account balance as your default payment method and you have a CC / debit card, you pay from your default payment method.

If your Apple Account balance is 'empty', Apple will charge your credit card / debit card on file.

See the following Apple articles:

Add money to your Apple Account balance

Add money to your Apple Account balance - Apple Support

Add a payment method to your Apple ID

Add a payment method to your Apple ID - Apple Support

Payment methods you can use with your Apple ID

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

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.

Hello ~ Take a look here by clicking on below…

Subscriptions and Billing - Official Apple Support

Once inside the link you may click on other applicable tabs to view more details that may assist you. Post back if needed and take care.

~Katana-San~