I want to add a payment method to my Apple ID and it been stressing me out . I need guidance

This document explains how to add a payment method to your Apple ID on a Mac, Apple mobile devices, or PC. Click here --> Add a payment method to your Apple ID - Apple Support

On an iPhone:

Open the Settings app.

Tap your name.

Tap Media & Purchases, then tap View Account. You might be asked to sign in with your Apple ID.

Tap Manage Payments.

If an app or feature on your device is not working or is restricted, it may have been disabled using Screen Time, or by an IT administrator if you are using a device owned by an employer or educational institution. See how to use Screen Time on an iPhone, iPad, or iPod touch by clicking here --> Use Screen Time on your iPhone, iPad, or iPod touch - Apple Support

If you need Apple's assistance:

Refer to this document for ways to contact Apple --> Choose your country or region - Official Apple Support

Select your country (also look for "other" regions), 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 by telephone --> Contact Apple for support and service - Apple Support

Does not work. No option provided to update, delete or edit card. Only expiration date and 3 numeral code.