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Sep 20, 2014 11:15 PM in response to shawnafonby King_Penguin,You should be able to change your payment details on your phone : tap on your id in Settings > iTunes & App Store and tap on 'View Apple ID' on the popup and log into your account - that should give you a payments link on your account's page.
Or on your computer's iTunes go into the Store > View Account menu option and log into your account, and on your account's details page there should also be a payment link.
Changing payment info : http://support.apple.com/kb/HT1918
If you don't get the 'none' option : http://support.apple.com/kb/TS5366