I want to delete my icloud account

how do i stop my anto payment for icloud and then delete my account

First, turn off using iCloud for your contacts. Go to:
Settings --> Mail, Contacts, Calendars --> (your iCloud account)
Switch "Contacts" to OFF.
You should get a dialog box asking you if you want to keep the contacts on the phone or not -- choose the option to keep them.
Now you can delete the iCloud account but retain the contact information.

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