Need help with card on file

Hello,

Start here: Change or remove your Apple ID payment information

Also see: "Pay an unpaid balance" in this link: If you can't remove your last payment method or use no payment method with your Apple ID

Also see: View, change, or cancel your subscriptions

Good luck.

Hello,

Don't change your Apple ID, that will cause even more problems.

You should work to resolve the previous billing issues: If your payment method is declined, or you have a billing issue with a previous purchase in the iTunes Store

Then, add your new payment information: Change or remove your Apple ID payment information

If you're still having issues, see this: Contact Apple Support

Good luck.