How to update apple account payment options

Of all the items of help I cannot locate how to change the payment options on my apple/itunes account.
I'm fairly certain it is currently being directed to an account I have closed.
But no amount of typing in payment options or itunes payment has rendered anything useful.
There must be a location that will allow changes as needed. Really how can this be so difficult?

See:Change or remove your payment information from your iTunes Store account (Apple ID)

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    How to change accounts!
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    @MIKESMITHKJS
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  • HT204053 How to delete apple account

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    This is the best information I have found and it is up-to-date!

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