Re: "can’t pay for apple music"
Wondering what happens when you try ? Eg: Error message ?
✽ If a message says 'billing problem with previous purchase' or 'verification required' - Apple Support
✽ What to do: If your payment method is declined in the App Store or iTunes Store - Apple Support
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Re: "I have a card linked to my account, I use it to pay for iCloud,
but I can't pay for Apple Music, what should I do?"
Wondering if you already have a subscription, or if you just want to start a subscription:
Eg: ✽ See how to: Subscribe to Apple Music - Apple Support
or
✽ See your purchases and subscriptions in the App Store on iPhone - Apple Support
✽ Maybe the card's expiry date needs updating ?
What to do: If you need to change or update your Apple Account payment method - Apple Support
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✽ If you are in India: See: About billing for Apple subscriptions and media products in India - Apple Support
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✽ If you are in Europe or Japan: See:About billing and purchases in Europe and Japan - Apple Support
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More Info. / Support / Contact options etc:
Subscriptions and Billing Support Website: Subscriptions and Billing - Official Apple Support