no puedo cambiar la tarjeta de credito para actualizar el pago

change credit card and/or billing address, https://helpx.adobe.com/manage-account/using/update-billing-information.html

if that doesn't help, contact adobe support.  there are 2 ways to contact adobe; chat and twitter (now x):

chat:
if you have or want to purchase a subscription, use a browser that allows popups and cookies
and click here, https://helpx.adobe.com/contact.html?rghtup=autoOpen
in the chat field (lower right), type AGENT
be patient, it can take quite a while to reach a human.

twitter/x:
tweet @AdobeCare

p.s. if you're contacted by anyone (via email or private message), it's much more likely to be a scammer than an adobe representative.