If you have no subscriptions that are currently still active (they need to expire fully first) and you are not a family sharing organizer then you should be able to remove your payment method.
If it is actively trying to draw money then it means you have something you haven't paid for yet. We're users like yourself so we can't help you find out what that is. See if it appears in your purchase history or a family member's purchase if you're a sharing organizer Read this support article for directions about how to see your purchase history in the App Store or iTunes Store [mobile device, computer, or web] --> View your purchase history for the App Store, iTunes Store, and other Apple media services - Apple Support