How to cancel an in-app debt on App Store?

Hi marlins129,

welcome to the Apple (user-to-user) Community!

Re: "In App debt : I have some funds on my iCloud which I added through Apple Card"

Your Apple ID is the one account you use to access Apple services like the App Store, Apple Music, iCloud, iMessage, FaceTime, and more.

It includes the email address and password you use to sign in as well as the contact, payment, and security details you use across Apple services.

If you used a gift-card to add funds to your Apple ID Account balance for iCloud:

See: What you can buy with your Apple Gift Card or Apple Account balance - Apple Support

Eg: says: "Some purchases might require that you have a credit card on file,

even if you use your Apple Account balance to make the purchase.

How to: Check your gift card balance - Apple Support

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Re: I’m still unable to pay up my in app debt,if has been disturbing me from downloading all apps

Find out how to pay an unpaid order.

If a message says 'billing problem with previous purchase' or 'verification required' - Apple Support

What to do:

If you can't open the App Store or iTunes Store, buy content, or edit payment information - Apple Support

More info. / support / contact options etc:

Billing and Subscriptions Support website

Subscriptions and Billing - Official Apple Support

or

App Store Support Website:

App Store - Official Apple Support

All the best :-)