I’m trying to add new payment info but app won’t load

If you want to delete a payment method then you need to add a new one before you can delete the old one.

Alternatively, select None as the payment method.

If you can't choose None as a payment method or the option doesn't exist only if...

1. you have an unpaid balance or payment due
2. you have a subscription that automatically renews
3. you're using the iTunes Store or App Store for the first time
4. you are not in the country or region you’re creating an Apple ID for
5. you changed your country or region
6. you're a part of Family Sharing