Hey there, welcome to the community! That's not good but let's try to troubleshoot :) Have you tried updating your payment details using an incognito/private window in your browser?
Let me know if that helps!
This approach was friendly, polite, and helpful. There was even an infographic added to help the user further.
Unfortunately these steps didn't initially help the user out, but that didn't stop @KatesHere. The follow up response was full of extra troubleshooting steps, and a link to contact Spotify if all else fails.