I don't have an icloud

Cboland83 wrote:

Someone was using my card and was paying for it and I don't have an account

If somebody else is using your payment card with Apple, then that’s just some ordinary and unfortunately all too common payment card fraud, and you will want to contact your payment card provider and report the issue.

That’s case 3️⃣ here, but you don’t (didn’t) have an Apple Account: Billed, but you didn’t buy? - Apple Community

If someone is using your card without your permission, you should contact your bank immediately to report the unauthorized charges and take steps to protect your financial information.

Did you see an email/message making that claim? If so, there are many scams going around to try and get you to call them where they ask for your personal information.