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I’m so sorry to hear about your issue. I know that can be frustrating. Hopefully, we can get this resolved quickly.
Since Kindle is linked to Amazon, I suggest you visit the Amazon website and login. You can then update your payment information. Please visit the link below, which will walk you through setting up a new/editing a payment method:
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(Your friendly expert)
I'm wondering if it's possible you are signed into your Kindle device on a different account?