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
You should be able to add a second payment method and if Apple is having problems billing the first then it should (in theory) try any others you have entered. See if you can move it to the top position and then delete the other.
If you still have questions or problems:
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