problem with credit card

Re: "problem with credit card : Credit card for payment for iPhone backup has a problem"

It is not easy to guess what the problem is ... see if any of the articles below address your situation:

Your Apple ID is the 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.

What to do: If your payment method is declined in the App Store or iTunes Store - Apple Support

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Else: if needed, you may want to add a new card first, to allow you to delete the old card.

How to Add an Apple ID Payment method:

Add a payment method to your Apple ID - Apple Support

How to delete an Apple ID payment method:

Remove a payment method from your Apple ID - Apple Support

How to change an Apple ID payment method:

If you need to change or update your Apple ID payment method - Apple Support

or

Find out how to pay an unpaid order.

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

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If needed: Find answers to your questions about purchases, subscriptions, payments, and billing:

Subscriptions and Billing Website (info. / support / contact options:

Subscriptions and Billing - Official Apple Support