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In this tutorial on Apple Tech Page, users experiencing issues removing credit cards from their iPhones are informed that an active subscription requires at least one payment method. The first solution involves changing the country or region. To do this, open the Settings app, tap on your Apple ID name, then select Media and Purchases. Next, view your account and choose "Change Country or Region." Select a different country, agree to the terms, and then set your payment method to "None" while entering your billing name and address. Follow the prompts to complete the process, which will automatically remove your existing payment method, allowing you to add a new one.