If you click the update prompt and cannot update payment information, it may have triggered Apple's account protection mechanism. You can contact Apple online customer service for assistance:
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Download the 【Apple Support】 app, search for the issue at the top, and enter "Unable to verify payment information."
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Contact support personnel. 【Call】 is for phone customer service, and 【Chat】 is for online customer service. Choose 【Call】, and the customer service representatives will speak Chinese, so you can communicate directly; choose 【Chat】, and you will be transferred to US customer service, which requires using translation software.
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Provide feedback to Apple official customer service - tell the customer service representative, "The system prompts that I cannot verify payment information. I have a US virtual debit card and need to pay for the (service you need to subscribe to), but I cannot make the payment or bind the card." Then follow the customer service representative's guidance to resolve the issue and complete the card binding to make normal purchases.