I can’t add a new payment the option is greyed out

Hi jojoinklnlnk,

We'd love to see if we can help resolve the issue you're having. If you're part of a family group, and not the organizer, that could be the issue. Below we'll provide the reasons you may not be able to remove the current payment method. You may need to resolve something and try again..

• "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."

Reference: Remove a payment method from your Apple ID - Apple Support

Cheers!