I will like to stop my payment card

Check your subscriptions. This link explains how --> Manage App Store purchases, subscriptions, settings, and restrictions on iPhone - Apple Support

You can remove your payment method from your account IF you don't owe for any subscriptions. You won't be able to download apps from the App Store anymore, however. If you owe for anything, you can't remove your payment method.

Do you want to remove your payment method of change your payment method?