update my payment method for my Apple Care but I don't have one hired.

That sounds like you are being scammed by someone posing as Apple. I got three such messages yesterday with similar content from addresses that were blatantly not Apple email addresses. One was from a South African country code (.za).

To see what the real Apple has on its billing cycle for you, start here:

If you see 'apple.com/bill' on your billing statement - Apple Support

The most important part of that article is "View your purchase history." If Apple does NOT show a record of the charges in your history, it is very possible that scammers have gained access to your credit card or bank number and are pretending to be Apple. It happened to us.

If that is the case, only your CARD ISSUER or BANK can remedy it.

If Apple’s purchase history shows the purchase, continue with the instructions in that article. 

⚠️ Important note for reviewing your Apple purchase history: If you are using Family Sharing, make sure you set the "Apple ID" box to the "All" option to get a complete history of purchases Apple shows as made from your account:

Follow babowa's link to add a payment method.

To cancel an Apple subscription, see here: If you want to cancel a subscription from Apple - Apple Support

first, we are all other users so we do not have access to accounts.

second you need to have a payment method listed in your account.

Read the article instructions above your name and here is another:

Add a payment method to your Apple ID - Apple Support