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Jul 31, 2016 3:24 AM in response to Rmiakenby King_Penguin,You already know that these are user-to-user forums and not 'live chat', it can take more than 14 minutes for somebody to reply - people will answer when they see a post and know the answer.
Try logging into the account and see if you get the 'none' option so that you can remove the card : Change or remove your Apple ID payment information - Apple Support