Unable to download apps on my iPhone 12 App Store

You will need to contact support to resolve this issue. Please follow the directions below.

To contact Support, do this: 

1. Click on this link --> Choose your country or region - Official Apple Support  

2. Select your country

3. Select: Billing & Subscriptions

4. Select: Subscriptions & Purchases

5. Select: Update payment method

6. Select a chat session or a phone call.

Copied from iTunes support - Apple Community

For payment issues, I recommend contacting Apple Support for help from an Apple advisor.

Good luck! 👋🏼😉