I am unable to download apps (free) because “my payment has been declined” and when I try to update the billing, it fails cause of active subscription which I am unable to cancel because “payment is declined”. Please how do I go about this?

If you have another credit card, try adding it to your payment method as a second form of payment. Once the card is added, promote it to be the primary payment method. You should then be able to remove the card that is being declined.

See If your payment method is declined in the App Store or iTunes Store https://support.apple.com/en-us/HT203005. To resolve this, add a new payment method or update the billing information for your current payment method.

If you need additional help, use this support link from the document https://support.apple.com/contact  or use:

Apple telephone support https://getsupport.apple.com/?caller=kbase&PGF=PGF63005&category_id=SC0245&symptom_id=23362 Be patient sometimes Apple support is closed to immediate phone support.

Apple Support Twitter https://twitter.com/AppleSupport There may be an hour or so wait.

iTunes worldwide support via text or chat using this link https://support.apple.com/choose-country-region/itunes After choosing your country, see the heading Tell us how we can help.

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Also see: Fix ‘Your Payment Method Was Declined’ Error In App Store https://www.addictivetips.com/ios/fix-your-payment-method-was-declined-error-in-app-store/. If you need more help here, use the support links above.

Contact iTunes Support for assistance. See the Apple Support articles below for contact information.   

iTunes Support – world wide 

Apple Support schedule phone call      

If necessary, try Twitter

https://twitter.com/AppleSupport.          People have posted it may take an hour or more to get a response.

I don’t have another card