why can't I use my payment method
Every time I try to update my payment method it keeps declining and I do not know why
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Review this document about what to do "If your payment method is declined in the App Store or iTunes Store" Click here --> https://support.apple.com/HT203005 It mostly just suggests you make sure your payment method is up to date or to try a different one. Apple is likely just checking with your financial institution if the payment method is valid and getting a reply that it isn't. Make sure the name and address are entered exactly as it appears on your bills and that the 3 digit CCV is correct. Check with your financial institution about the status of your card.
Make sure this is a payment method that you can use with your Apple ID; click here --> https://support.apple.com/HT202631
If you still have problems Click here --> https://support.apple.com/choose-country-region/media-services Select your country, then a product. If you don't see one that handles your issue then keep experimenting with selections until you reach one that gets you a chat session or a telephone call and get the representative to redirect you.
or:
Contact Apple for support and service --> "See a list of Apple phone numbers around the world." - https://support.apple.com/HT201232