How can I update my credit card and Bill To Address?

See this article for information about updating payment methods on various platforms (iPhone, Mac, etc.): If you need to change or update your Apple ID payment method - Apple Support

Here is how you update your payment method on an iPhone or iPad:

1. Open the Settings app.

2. Tap your name.

3. Tap Payment & Shipping (formerly Media & Purchases). You might be asked to sign in with your Apple ID.

4. Tap Add Payment Method, enter the new payment method, then tap Done.

5. Tap Edit.

6. Tap the red delete button next to the old payment method, then tap Delete.

Also note:

1) ”If you change your address, the credit or debit card information that you use with your Apple ID might be automatically updated by your financial institution, and you don't need to take action.

2) “If there's an issue [such as you having a subscription or being a Family Sharing Organizer], add a new card first, then remove the old card."

If the credit card you need to update is entered in Apple Pay you have to remove it from Apple Pay first. Then go the normal route to payments and shipping after selecting your name in settings app. After removal from Apple Pay, all credit card info will be available to edit. Apple should write a prompt into the code so when you select a card in payments and shipping for editing, you will be instructed to remove it from Apple Pay in order to gain access.

You do that through your Apple ID page:

https://appleid.apple.com