I have 66.19 on my account from itunes cards yet when i go to download something it is asking me to update billing info from an old credit card

I have 66.19 on my account from itunes cards yet when i go to download something it is asking me to update billing info from an old credit card

What exactly happens when you try to buy something ? If you've already removed the card from your account then iTunes shouldn't be asking for any details about it.
If you log into into your account is the card still shown . On your computer's iTunes you should be able to edit your payment info by going into the Store > View Account menu option and logging into your account, and on your account's details page there should be a payment link.  If you are doing it on your phone then tap on your id in Settings > iTunes & App Store and tap on 'View Apple ID' on the popup and log into your account  - that should also give you a payments link on your account's page.
Changing payment info : Change or remove your payment information from your iTunes Store account (Apple ID) - Apple Support

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