2 days later it started trying to take money out off all of the cards
Rented movies are available for 48 hours after first moment of playback. Trying to watch it after it expired, will need a new transaction. Rent movies from the Apple TV app - Apple Support
Else some other transaction might be due, e.g. a subscription.
View your purchase history for the App Store, iTunes Store, and other Apple media services - Apple Support
See your subscriptions overview - Apple
since my cards don't have money on them at the moment it locked my phone from downloading and updating stuff in App Store and now its saying pending
When a transaction can’t be completed, then that issue has to be resolved before you can continue with access to the App Store (including app updates) or the iTunes Store. Contact Apple Support about this.
Subscriptions and billing - Official Apple Support
Contact Apple for support and service - Apple Support