Q: i have a charge on bank statement/// please explain  CA95614

I'm afraid you may be confused. iCloud space if you purchase additional storage space, is in the cloud, it does not transfer to your phone. You cannot purchase increased storage on the phone, that storage capacity is set when you purchase the device. If you purchased additional iCloud storage, that can be visible in iCloud settings on the phone, or can be visible by logging into iCloud on the computer, but it will not increase your storage capacity on the phone.

There is a way to use iCloud to hold photos and other data. I would suggest, given your limited knowledge of iCloud and the fact I wouldn't want you to lose any of your content, to check this out for assistance before moving any data. My Photo Stream FAQ - Apple Support