How to NOT Get Charged on Removed/Deleted Card

I saw a similar question posted in the community, but there was no solution or update. So, I'm asking this again.

How do I remove a card completely from Apple Pay/Apple Wallet? And how can I get Apple Pay charges on my new default card instead of the old one?

I, of course, went to Apple Wallet first to delete the old card and replace it with a new card. In the iPhone settings, I see my new card as the default card in the Transaction Default. But when I use certain apps, they keep charging my old card and don't default to the new card. I'm not even talking about monthly billing because these are one-time transactions and purchases.

I contacted the bank, app customer service, and Apple to get refunds. Each of them told me I should contact Apple for the refund, meaning Apple has control over all app charges and to which card. Also, my bank statements indicate that these charges result from APPLE.COM/BILL, so there should be something on Apple account or bill settings to solve this issue.

I tried different methods such as deleting my apps and downloading them again, removing cookies on the apps, restarting my phone, and updating up-to-date softwares.

They all didn't work. Now, I need different and better solutions. Please help solve this issue!