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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.
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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.