When I am trying to change my Apple ID, it shows that my payment method information doesn't match in my bank's records, so I ask the bank, they' said it had no issue, so what's wrong? How can I change my Apple ID successfully?

See the question=)

Change your Apple ID? sorry not a clear question.
To CHANGE and Apple ID -> you go into your account by going to appleid.apple.com sign in [which has nothing to do with billing etc] and change the primary Apple ID.
So at this time not clear as to exactly what you are asking

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