How to Change or Add a Credit Card on Apple ID and Apple Pay — Even If You're Locked Out

Part 1: Practical Solutions to Change Credit Card on Apple ID Across Devices

Updating your payment method ensures uninterrupted purchases, subscriptions, and services. Whether you're using an iPhone, iPad, Mac, or Windows PC, it's easy to keep your Apple ID payment details up to date. Here's how to change credit card on Apple account across different devices:

Solution 1: Change Credit Card on iPhone or iPad

On your iPhone or iPad, you can quickly know how to change a credit card on your Apple ID and update your payment information through Settings.

Steps:

• Open Settings and tap your Apple ID name at the top.
• Tap Payment & Shipping. Sign in if prompted.
• Tap Add Payment Method to input your new credit card details.
• Tap Edit to change the order or remove old cards.
• Make sure the new card is set as default, and update the billing address if needed.
• Tap Done to save changes.

Solution 2: Change Credit Card on a Mac

Managing payment methods on how to change credit cards on an Apple account in Mac is just as straightforward through System Settings.

Steps:

• Open System Settings and click your Apple ID.
• Go to Media & Purchases, then click Manage Payments.
• Add a new card or select an existing one to update.
• Rearrange or remove old cards as needed.
• Confirm your billing info, then save changes.

Solution 3: Update Payment Method on a Windows PC (via Web)

If you're using a Windows PC, you can update your Apple ID payment details through the Apple website.

Steps:

• Go to appleid.apple.com and sign in.
• Click Payment Methods.
• Choose Add Payment Method to enter new card details.
• Or click Edit next to an existing card to update.
• Set your preferred card as default, then click Save.

Solution 4: Set a Default Payment Method

No matter which device you're using, setting a default card ensures smooth transactions.

Steps:

• After adding a new card, drag it to the top (on Mac) or select Make Default (on iPhone or Website).
• Apple always uses your default payment method for subscriptions, purchases, and family sharing.

Solution 5: Confirm Billing Info for Successful Updates

Verifying your billing details is essential to avoid payment errors.

Tip:

• Always make sure your billing address matches exactly what your credit card issuer has on file.
• Mismatched information can cause your updates to fail or your card to be rejected.

Part 2: Locked Out? Use Dr.Fone – Screen Unlock (iOS)

If you're locked out of your iPhone or iPad—whether you forgot your screen passcode, Face ID isn't working, or your Apple ID login has been disabled—you won't be able to update your payment methods the usual way.

Fortunately, Dr.Fone – Screen Unlock (iOS) offers a fast and secure solution. It can bypass screen locks and Apple ID restrictions, helping you regain access without needing your credentials. Once unlocked, you can easily know how to change credit cards on Apple pay, manage your Settings, Wallet, and Apple ID payment information.

Dr.Fone - Screen Unlock (iOS)

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Here's how to use Dr.Fone – Screen Unlock (iOS) to unlock your device:

Step 1: Launch Dr.Fone and Access Screen Unlock

Start by launching Wondershare Dr.Fone on your computer. From the main menu, navigate to Toolbox > Screen Unlock > iOS to activate the unlocking feature.

Step 2: Choose Remove Apple ID and Connect Your Device

Select Remove Apple ID from the options provided. Then, connect your locked iPhone or iPad to the computer using a USB cable.

Step 3: Enter Recovery Mode or DFU Mode

Follow the on-screen instructions to put your device into Recovery Mode. If Recovery Mode doesn't work, switch to DFU Mode for a deeper unlock process.

Step 4: Download Firmware and Unlock Apple ID

Once the device is recognized, download the correct iOS firmware. After verification, click Unlock Now to remove the Apple ID and regain full access.

After successfully unlocking your device, you'll be able to go into Settings and Wallet to change credit card on Apple details easily.

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Part 3: How to Add a New Payment Method to Apple ID

Once you have access to your device again, updating or adding a new payment method is simple. Here's how to change credit cards on Apple, add payment methods to Apple ID, and remove any old or unused cards.

Add a Credit or Debit Card Using Settings (iPhone or iPad)

You can easily add a new card directly from your device's settings.

Steps:

• Open Settings and tap your Apple ID at the top.
• Tap Payment & Shipping, then sign in if needed.
• Tap Add Payment Method and enter your new card details.
• Confirm your billing address and tap Done to save.

Add a Payment Method Using iTunes on PC or Mac

If you prefer managing your payment options on a computer, iTunes provides another easy method.

Steps:

• Open iTunes and sign in with your Apple ID.
• Go to Account > View My Account.
• Under Payment Information, click Manage Payments.
• Click Add Payment and enter your new card information, then save.

Managing Multiple Payment Methods

Apple allows you to store multiple payment methods and prioritize which one is used first.

Tips:

• After adding cards, you can rearrange them by dragging the preferred one to the top (on Mac or PC) or selecting Make Default on iPhone.
• Apple will always attempt to charge your default card first when you make purchases.

How to Remove Old or Unused Cards

Keeping your payment methods updated also means cleaning up old cards you no longer use.

Steps:

• Go to Settings > Apple ID > Payment & Shipping.
• Tap Edit next to the card you want to remove.
• Tap Delete or Remove Payment Method to get rid of it.
• Make sure you always have at least one valid payment method if you have active subscriptions.

Part 4: How to Change or Update a Credit Card on Apple Pay

Keeping your Apple Pay cards updated ensures smooth transactions whether you're shopping online or in stores. Here's how to change a credit card on an Apple account, set defaults, and update your billing information directly from the Wallet app.

Open the Wallet App and Manage Your Cards

Your Wallet app is the central place for managing your Apple Pay cards.

Steps:

• Open the Wallet app on your iPhone.
• Tap the card you want to manage.
• Tap the More (three dots) icon for card options.
• From here, you can view your card details, update information, or remove the card.

Set a Default Card for Apple Pay

Choosing a default card makes checkout faster and easier to change credit cards on an apple account.

Steps:

• Open Settings > Wallet & Apple Pay.
• Tap Default Card.
• Select the card you want Apple Pay to use first for purchases.

Remove and Re-Add Cards for Bank Verification

Sometimes re-adding your card can fix verification or payment issues.

Steps:

• In the Wallet app, select the card and tap Remove Card.
• Tap the plus (+) sign in Wallet to add the card again.
• Follow the on-screen prompts to re-verify with your bank if necessary.

Update Billing and Contact Details if Needed

Accurate billing and contact information helps prevent payment failures and provides smooth way to add payment method to Apple ID

Steps:

• Go to Settings > Wallet & Apple Pay.
• Under Transaction Defaults, tap Billing Address and Contact Information.
• Update your address, phone number, or email as needed.

Conclusion

Keeping your Apple ID and Apple Pay payment methods updated is essential for uninterrupted access to apps, subscriptions, and purchases. Whether you want to change credit cards on Apple, updating billing details, or setting a default payment method, staying on top of your payment information ensures a smooth and hassle-free Apple experience.

Always prioritize security and accessibility when managing your payment methods. And if you ever find yourself locked out of your device or Apple ID, Dr.Fone – Screen Unlock (iOS) offers a reliable and easy-to-use solution to regain control quickly. Stay updated, stay secure, and enjoy seamless transactions with Apple!

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