Change payment method

Re: "I need to change my payment method but it won't let me

because the expiration date is lower than the one I currently have registered"

Wondering if you can add the new card first, and then delete the old one:

How to Add an Apple ID Payment method:

Add a payment method to your Apple ID - Apple Support

How to delete an Apple ID payment method:

Remove a payment method from your Apple ID - Apple Support

You may need to allow 24 hours for updates to come into effect.

or

Restarting your device may help you view recent changes.

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If needed: You could reach out to Billing Support:

There's a "Get Support" link (online chat, phone, email etc) at the bottom of their website:

Subscriptions and Billing - Official Apple Support

If you need to change or update your Apple ID payment method

(Also includes Mac, PC)

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

"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. But 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."