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Are you on the 30 day trial?
If so, then your credit card is already hooked to your account and it will start billing for the first month of use when your trial is over.
When you start making payments, you will not lose the playlists you have already created.
You don't have to pay to keep the music. There is always the free mode of Spotify, but of course there will be ads and you don't get all the premium features. To use the free mode all you have to do is cancel your trial.
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https://www.spotify.com/account/subscription/
Welcome to the Community Barbie63! you are currently on a Trial that you get for a day when you first sign up for Spotify! you will not lose the music and the Subscription plans and Pricing is found on the Main Spotify Page which is here: https://www.spotify.com/us/
Hey there you, Yeah, you! 😁 Welcome - we're glad you joined the Spotify Community! While you here, let's have a fun game and get…