How do I change credit card or payment method

Since the purchases of both race access and subscription goes through Apple/Google, you have to make any changes through your provider and/or the settings in your phone.

If you are using Apple (iOS) then you can follow the guidelines here:

https://support.apple.com/en-us/HT201266

If you are using Google (android) then you can follow the guidelines here:

https://support.google.com/googleplay/answer/4646404?hl=en&co=GENIE.Platform%3DAndroid&oco=1