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Please take a look here: https://helpx.adobe.com/manage-account/using/update-billing-information.html
If this doesn't help you have to contact the Adobe support. This is a public forum and we're normal users and we can't help with account and/or payment problems.
Please click the link below to contact Adobe staff to help.
Be sure to remain signed in with your Adobe ID before accessing the link below
You have to allow 'cookies' in your web browser for this to work
https://helpx.adobe.com/contact/support.html
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Bear in mind if you have a subscription, you may have promised to pay for a year, and promised to keep a credit card on the account.